Devin asked:


I’ve read up on insurance policies and found that ones that have high deductibles and low premiums are good for the young and healthy, but what happens if the unexpected happens (not death, but a serious illness or surgery)? Is there a type of insurance for that or some kind of account (mutual fund, etc.) that can be set up for that?

Antony G asked:


I’m about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can’t see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.