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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.
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.
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.
All commercial carriers must maintain a minimum of $1,000,000 in liability insurance.
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A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.