Ok, maybe I am dense and maybe I am gullible but why would I get liability insurance for products with all natural igredients..........CP Soap, Sugar Scrup, Body Butter, etc? I mean doesn't someone already know if they are allergic to a particular ingredient ad if they do not, how would it be my fault? My question is...........Do I really need to get the insurance upfront? I was hoping to see how my business did before I spent the money? Does everyone who sells B & B products, have insurance? Thanks,