Business Plan Illinois

Is my mom to buy some types of insurance if she has plans to start changing the business model?
My mother lives in Chicago, Illinois and has plans to start changes in business and fashion. I know that insurance is always necessary when you run the various types of insurance, but we're not sure she need to choose one form or another this kind of business, specifically as it starts from his home. As mentioned that she lives in Chicago, Illinois. I would very grateful The information and / or any advice or recommendations. Thanks million.
http://egov.cityofchicago.org/webportal/COCWebPortal/COC_EDITORIAL/guidetostartingabusiness0508.pdf
University of Illinois Chicago LES Foundation 2009 Student Competition
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