Yes, If you start your own business I strongly suggest you get yourself a commercial general liability insurance. You can never know what's gonna happen!!! You better be [in] sure! :)

Yes, commercial insurance is a business insurance, and it's one of the first things you should get after you open your own business. I think that losses as well as liability claims are really no longer a matter of "if" and are now much more a matter of "when". When the time comes, you really want to make sure that you are covered.