I am working on a business plan for my entrepreneur class. I have been researching insurance for our hypothetical business (a nonprofit therapeutic riding center for the mentally and physically impaired). I have determined that our organization will need workers' compensation, property and liability coverage, and directors and officers coverage. I am having difficulty finding out the cost of insurance for these 3 types of coverage. I just need estimates that are realistic for the financial section of our business plan and hope that someone can be of some assistance. Thanks.