I'm only nearly 5 mos in on my venture but we need to carry the following for our residential care (assisted living)  licensed for 41 beds - but we can hold 36 beds in our current configurationGeneral Liability (We buy through an independent broker - basically covers medical malpractice, any slip/falls etc)Workers CompAnd even though you arent interested - Non owned auto insurance in case staff use their own vehicles to run an errand etc, building insurance for wind/hail etc inc general property liabilityAll of this runs around $33k to 36k a year for us - thats before health insurance for us etc - Work Comp is the most expensive part of that mix.Your best bet is likely not to find the coverage by calling yourself - you'll just waste your time - find a broker that can sell you this insurance - as far as limits - some of the limits are state mandated and will be in the regulations. 

Property taxes, tenant-landlord laws, time to evict, city mandates, etc.

Most lenders will mandate flood insurance in these high-risk flood zones.

Which servicer, (purchaser), lender mandated these UW's?

I represent a Direct Mandate with millions to sell and Investors and buyers to purchase Discounted notes and REO tape.

I am a commercial broker and a buyer's mandate for a few clients chasing the REO dream.

What many people (even some staff people with lenders) don't know is that seasoning is NOT required (FHA & VA is) or mandated.

Even in the case of these teaser rate loans, I'm not in favor of a mandated adjustment of the loan terms - UNLESS THERE WAS FRAUD.

Couple that with a Constitutionally mandated (25th Amendment) term limit on the President and the chance of a true dictatorship is very, very small.These are challenging economic times.

I am going to sit back, relax and allow the hard left in Washington to assume that they have some sort of super mandate and overreach like they did in 1993 and 1994.