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 Just because you're renting, don't assume that damage to your personal contents will be covered by your landlord's insurance. If you want to protect your belongings, you need to have tenants insurance. It will cover your possessions against loss from fire or smoke, lightning, vandalism, theft, explosion and natural disasters and even some types of water damage.
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It's your responsibility to ensure that your new business or corporate name doesn't infringe on 3rd party rights, so choose carefully. If the name chosen is the same as, or similar to, an existing business name or trademark, the owners of that company could take your business to court. 
