Will liability insurance cover you if you don’t have a business license?

Yeah, its a bit of a mess but I need to do it. As far as the “Outlaw” comment, Im just pretty colorful with my words and was just a figure of speech (even though its kinda true!). Trust me, its not my ideal way of doing things and tried everything but hire a lawyer to work this out with the city. As far as the ACE code of ethics, I didnt choose ACE because of them. Ive always read and kept up with sports performance training, nutrition and strength training. I only got certified because I felt people would expect it and chose ACE because the exam was less expensive than NASM. To be honest, I never even bought any study materials. I borrowed the book from a friend, read throught it once and took the exam. I know reading this I might sound kinda harsh or cocky and its not how I mean any of this. Im really trying to help people, as you can see if you look over my rates. Its sort of a trade I guess, clients keep me from working a job I hate and my rates are a way of saying “Thank you”.