Yes, they certainly can. If the insurer finds additional information on your driving record such as undisclosed tickets or accidents and/or other risk factors such as undisclosed drivers or work...
If "it" is not your fault then you do not have to pay regardless of insurance. However, you may have to prove in court that "it" is not your fault and although you can counter sue to recover your...
If you have a police report from the incident, you can try to prove that it was the other guy's fault. However, if you simply exchanged insurance information, there's nothing stopping the other guy...
There is no set premium for general liability. It all depends on the type of business you have and the premium is typically based on one of a few things (gross sales, payroll, square footage). An Ice...