Wood flooring is great, but in my opinion, the best workshop floor
is genuine natural linoleum. It lasts forever and, as it wears, the
pattern does not change. You don't need to polish it like they do in
residential areas, but it looks great anyway. Some people do not like
the linseed oil smell when it is first installed, but it goes away
Unfortunately, insurance is a local product and costs can be high in
some areas. You may also find that many insurance agents are not
familiar with what you need. Check out the American Craft Council.
American Craft Council http://www.craftcouncil.org They have a great
members plan for property and casualty insurance which is available
in most of the United States.