I would like to know if any working pros have recommendations for business insurance that specifically includes liability insurance. (I tried searching the forum but all the insurance topics seem to deal with coverage for camera gear). I plan to start leading photo tours, so I need pretty good coverage for the participants. I got a postcard in the mail from Hiscox Insurance, but a quick look at online reviews tells me to stay as far away as possible. Any leads would be immensely helpful (please respond only if you live in the USA).