1)Usually, you are only required to take College Algebra*
2)No, but typically you'll need to take one or two science courses, this can include physics, but also biology, chemistry, geology, and perhaps geography.
*If you major in business you will probably be forced to take an intro to stat course. It isn't difficult, but if you are required to do so, do it as soon as possible after taking algebra.
As for if Algebra is hard or not. It isn't 'hard' per se, just most people who take algebra at college have no interest in math and thus do not spend extra time studying for it. Math is one of those classes you have to spend time on and do a lot of problems. If you ask questions and solve problems, you should find it reasonable.