I do not have assets (unless you consider my 2004 chevy colorado an asset....TAKE HER IF YOU MUST lol)
I used to not have insurance because I was selling small scale, like friends and such. Then I had one girl approach me one day that she "scratched the [heck] out of her arm from the shell on top of the soap". "Ummm..the shell is made of soap and what kind of special person physically injures themselves with soap." she assumed the shell was real and ran with it. Her husband confirmed that she did not hurt herself with the soap and in fact loved it. Sparing you most of the details
... Her arm had no scratches on it, and I shoved $8 down her shirt to return the money lol. I have so many words for this type of person. Not worth it.
ok I have to edit here...I have known this girl and her sister for 14 years...this wasn't a random customer that I had this encounter with LOL. I wouldn't shove money down a customers shirt if they weren't happy LOL
Anyway. That very day was the day that I decided to purchase insurance for my soap. And it opened up avenues for other selling, mostly small scale so far because that is all I have time for. But at least I have peace of mind that nobody is going to make a claim on my colorado LOL.
Hiscox is what I have. They let you put a small down payment and pay monthly installments.