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You will need to contact an agent(s) for a quote.
$15,000
Probably $500 - $750 annual for general liability.
You should always carry liability insurance and a surety bond for a cleaning company to protect you and your customers from any accidents that my occur from your work. Both are very cheap Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
The answer depends on how much you can anticipate your potential liability to be. For example, if you are cleaning, run a frayed extension cord to the sweeper. If a fire occurs and kills a sleeping child, or if the fire spreads to another house, the damages can be very great. Recognize though, that liability insurance policies come in various varieties, and usually have "per occurrence" limits. There are likely programs that are specially designed for your industry and which reflect typical liability limits. In all events, you should consult a licensed insurance broker who is knowledgeable about the nature of your business for guidance. Requirements also vary by state.
Liability
You will need the basic liability insurance. This means that you will be covered for the other person's car if you are in fact responsible for the accident.
That's up to Kmart. They can carry as much or as little coverage as they choose. There is no law that requires them to carry liability insurance at all.
The limits vary by state. Where are you?
kayaking
It depends on your record and who your insurance company is.
need to insurance quotes on pertaining to my question of how mmuch is physical liability insurance for a small self-defense gym