Andrew R Stewart 

Agreed that insurance is the right thing to do for your customers. After all if something should go wrong due to your mistake and that took the bread winner from providing for their family wouldn't you hope that you could make good the loss of income? (and if you say "no" then please get out of this industry fast and don't let the door hit you on the way out). It's common to only look at protecting one's own finances but I've felt that was rather self centered and one more example of why we have some of the social issues we have.

Know that true business liability insurance will require the other state and federal rules for running a business be followed, like sales tax collection, business licenses and such. Also know that a personal liability policy (sometimes called an umbrella policy) won't cover your business activities.