Business Insurance – do i need it



I am looking to start up my own business buying wholesale fabrics and selling them to the public. Im not entirely sure what if any insurance i need – i continue to google different types of insurance and i dont fit in any type of category?

I will be selling online only, i will not make or alter any products so do not need public/product liability? I dont provide advice etc so dont need professional indemnity?

A scenario i thought of was if my client purchased fabric online and a week later purchased another batch of the same fabric but it was a slightly different colour and they were in fact making a product for their client they may try to bring a claim to me that they have suffered financial loss? Would this be my fault or the manufacture i purchased the fabric from at wholesale?

I cant seem to find anyone to help me. You guys are my last hope!




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