home insurance software

Business Insurance..?

Why do I need busines insurance if I only trade at home through the internet (selling my own custom built software programs)? And what business insurance would I need to do this?
Also does anyone have any links – where I can get a quote on this sort of trading?
Thanks in advance.

If you employ anyone, you need employers liability.

If you are on your own, business interruption insurance could be advisable, to cover you if you fall very ill.

Also, insure your equipment and against your software being pirated.