I hate to be a "Debbie Downer" here... it's really not me... but I have to say, in all my years of making soap for wholesale customers, the only reason they had for an online presence is so their customers could purchase their products in the off-season.
This day and age, many people are doing online shopping, especially as the pandemic continues. Do I make a living off my online sales? Nope, but it does provide 25% of my soap sales. My regular customers like it because they know I get their order, they can see when it's ready to be picked up or have it shipped to them... and it's paid for in one easy step. I also sell at our local peddlers market, which gets a lot of tourist traffic. I pick up a handful of customers every year because once they get home, they like the product and want more. If I didn't have a website, they wouldn't be able to get it and I would be losing out on a regular customer. Last weekend I was at a show and a local retailer checked me out. She came by on Saturday, saw my website on my banner, and went home and checked it out. When she came to talk to me on Sunday, she had all my information, understood my product availability, and was ready to discuss wholesale with me. She wouldn't have had that if I didn't have a website and was upfront with me that she wouldn't be buying from me if I hadn't had the website. Why? Because it tells her that I'm invested in making product and it isn't a passing hobby. You need a website to support your sales. It doesn't (and probably won't) be 100% of your sales, and it probably won't be great sales when you're first starting, but it will bring people back if they know that if they like your product they can get it
when it's convenient for them.
Please tell me why you need insurance to sell soap? Where's the danger?
As Tara mentioned, if a customer sues you is one reason. Another reason is that it protects your investment. Most home insurances / car insurances do not cover in-home business losses. Imagine if I had a fire in home and lost everything. I'd have almost $5k in materials and packaging that I would lose, $1k in product inventory, and $5k in assets (molds etc) - over $10k in my total business that I would lose, and my home insurance would not cover it. If I go to a show and a storm comes up and I lose everything - my tent, my product, etc. - my insurance covers that. If I'm at a two day show and my vehicle gets broken into and everything stolen, my car insurance wouldn't cover it, but my business insurance would. It's not just in case of getting sued, but to protect your assets and product. If I lost all this, I would have to go out of business. I would not be able to afford to continue my business as it is now if I had to start over from scratch. I also do shows that will not let me be a vendor unless I have insurance. I have wholesale accounts that will not work with me unless I have insurance. Insurance is cheap (I pay less than $25/mo and I'm protected up to $1 million.) so not having insurance is just idiocy or laziness, imo.
These things may not make sense to you, but they make sense to many who take their businesses seriously. Advising people that they don't need these things is just bad advice.