Many commercial jobs will not hire you without a million dollars in general liability, some will also not hire you without an EIN.
I would personally setup a Business name, LLC, separate business checking account, general liability, commercial auto, and file for an EIN. You might not need all of it where you live, but I'd sure feel better having it.
Customers will also take you much more serious if you have a business name. I wish you the best of luck!