Hi Margie,
Thank you so much for the kind words.
Errors & Omissions insurance is definitely a good idea, especially as you grow. Many will disagree with the next statement, but I know what it's like when you are just starting out and money is tight. If you can't swing it when you are just starting and you have just a few smaller clients, you can wait if money is a problem. But as you grow and add clients, especially any larger ones, you will want to look into it.
Michele