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Did you download the HIC application? What does it say for the insurance policy? I think they required me to have a 1 Million Biz Liability policy when I applied a couple of years ago. I have to send in proof of insurance when I renewed but it was just the continuation of what I had so I can't remember sorry.
The policy wasn't that expensive even covering property/equipment and liability. Hell of a lot cheaper then damage from property or legal action.
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