Hi Jason. This is a question that you should ask your insurance agent. But, more importantly, first things first. You need to check with your local government agency (it’s usually listed as something like “Business Licenses” or something like that) to see if they require you to have one. The answer to that question is a local one, and they can give you that answer. If for some reason you can’t get the answers you need from these two entities, I would suggest that you spend a little time with an attorney in your area to answer this and any other business-related questions you may have since it sounds as if you’re just starting to set-up your business.
I hope this helps.