text: I'm assuming you're self-employed.\n\nYou need to get liability insurance so if you accidentally break something you'll be covered.  There are insurance policies written specifically for this type of risk - you'll need to contact a local commercial agent to assist you.\n\nIf you have a substantial amount of tools or equipment that you use to clean the boat you'll want to get coverage for those as well (if you're tools are only worth $200 though I'd just skip this coverage)\n\nIf you have employees you'll want to consider Workers Compensation.\n\nIf you can afford it health insurance is a good thing for you to have.  Also, if you have a family or any type of dependent you might want to consider a term life policy.  You can get one from your agent or you can look online as well.