As a former commercial insurance agent, I'd for sure tell you to get some liability coverage. Some of the coverage I placed was less then $200 per year, this was for small businesses. You never know, especially with things that use fire, if someone will do something silly and then blame you. Are there any commercial insurance places where you live? Offices that place coverage for Allied, The Hartford or Travelers should be able to help you. I also suggest going to those company specific websites to find a local agent. Good luck!