There is no simple answer to the question. Every contractor has his or her own risks associated with the type and volume of work performed. It could easily be anywhere from 500 to 50,000 dollars or more depending on the risks presented.
It depends on many risk factors involved. Such as your annual volume, The more work you perform the more likely there is a loss will occur. What is your level of experience? Have you had previous claims in the past? How many employees do you have? Do you require your subcontractors be insured or do you want all their work to also be covered under your General contractors insurance policy and what level of experience does your subcontractors have? Are you a framing contractor or an electrical contractor? there are many kinds of contractors.
All contractors risks are not the same risk
Yes, recent estimates are that as much as 30 percent of the drivers in Texas are withot the state required liability Insurance.
General contracts must carry at a minimum liability insurance along with being bonded by the state. Liability insurance should be no less than $1 million and could be much higher depending on the job.
There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote.
This depends on a number of things. It's hard to say without knowing what kind of work you are sub-contracting. First determine if you need Professional Liability coverage Or Commercial Liability Coverage. They are very different products. Most General Contractors do require the subs to carry insurance. Otherwise the General Contractor will have to pay much more for insurance coverage that effectively covers his or her own activities as well as those of the sub-contractors. If the General Contractor you are doing work for already has coverage for his subs under their insurance (usually not). What is the nature of your agreement with the General Contractor. Some Contractors insurance policies cover subs while others do not.
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
It depends on how much coverage you need, what kind of liability (General Liability? Employer's Liability? Auto Liability? Professional Liability?...) & what deductibles, if any, your claims experience, your work experience, who the insurance company is and the way their coverage forms read, their overall claims experience for companies like yours, and where you are located & operate. Your insurance agent can help you with specific quotes. Please note that in general, insurance is always based on these kinds of factors so it's hard to give a ballpark estimate for ANY kind of insurance.