rjr

I was wondering today... Ok, say I start a business and I have insurance. I end my business after a few years and I drop my insurance. Then someone who held onto my candle for five years burns it and catches their house on fire. Then I can get sued and I have no insurance, correct? The other alternatives are that as a candle maker I plan on holding insurance forever or maybe batch numbers get turned into the insurance co and they cover them forever. I'm pretty sure that's not the case with the insurance co's and I don't see how anyone can pre-determine being able to carry life-long insurance. So, what are the options?

I know this is an older thread but I just wanted to point out that many of the pre-pay phone services are getting smart phones now, for those who don't want to go contract and data plan. I use Virgin Mobile and I bought a 100 phone and the monthly fees are 35-55 depending on the minutes you get.