About insurance- What I found is that it differed from one agent to another even within the same Ins. Company. But most don't have a clue.
I called my Ins, Company to get a General Liability Policy for 300,000 to do cutouts. It took them a week and they asked me 50 questions. I called another company while waiting. I had a quote by the end of the same day. Was done and paid for before my Ins. Company got back to me to tell me they couldn't do it.