Here in the US, and most of the rest of the world, it's true – there are TWO different kinds of liability – personal, and business. "Public" is a misnomer – public can be either personal, or business. Or maybe it's just a UK way to say 'business'.

But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees IN THE COURSE OF EMPLOYMENT. With exclusions, of course.

*IF* there was an insurance policy, payable on death, it could only be paid out 1 of 2 ways.

1. To a named beneficiary and if you aren't one of them, tough.
2. To the estate. The esate would then turn around and distribute the money to the heirs in the will. If there is a will and you aren't listed, tough.

If your siblings are telling the truth and they did not find a policy, your options are limited.

The typical ways to find a 'lost' policy:
1. Go through the decedent's checkbook and credit card statements looking for policy payments.
2. Watch incoming mail for policy bills, statements and/or company information…
3. Go through every piece of paper in the house.
4. Contact their employers to see if there was a policy through work.
5. Spend $10 on stamps and write the top 20 insurance companies asking if there is a policy (providing their name, SSNs, addresses and how you are related to them).
6. Spend $75 on a search of the health-insurance application database. Only applies if they applied for insurance in the last 20 years.

http://cheap-health-insurance-usa.info/

Here you can get free quotes from different companies in your area, its the best way to find an affordable medicable insurance with a reliable company.

Hope this help,