There is a specific type of insurance for all restaurants. For Thai restaurants , it would be ideal to get a commercial property insurance or in the alternative, a general liability insurance.
The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.
It will depend on a few different things. The first is what type of restaurant do you operate, the second is where your restaurant is located, and last are the amount of sales. I would also recommend dealing with an agency that specializes in restaurant insurance. There are numerous pitfalls, that many brokers can overlook if they are not dealing with the restaurant and food service industry regularly.
If not legally separated, you will probably have to wait until open enrollment through your employer to cancel her insurance. If you do get legally separated, you can cancel insurance as you have had "change in status." Usually insurance companies will process changes outside of open enrollment when you have a change in family status. An example of this would be getting married, having a baby, or getting divorced/legally separated.
Once you're married, you're legally considered an emancipated adult and would not be covered by your parents' insurance. You would be covered by your spouse's insurance.
No. You cannot legally drive so they would not cover you.
Restaurant Insurance is offered by companies such as Nationwide and RAC. If you wish to find better offers in one place, then CompareTheMarket is a useful site.
not legally. You would have to sign the application, answer the medical questions, and often have a physical.
no, but then you cannot drive the car if she cancels the insurance. you would drive w/o insurance, would you? that would be stupid.
I would not think so
Whole life
Well you cannot insure a vehicle that does not legally belong to you. You Mother would need to get the insurance in her name and list you as the driver of the vehicle. This is the only way to legally obtain insurance on this vehicle with the information you have provided.
Most insurance companies would not allow this to happen because firstly an insurance application and policy together make up a legally binding contract. A person under 18 years of age are not able to be party to a legally binding contract.