Thanks everyone for your input. All opinions are valued. I have had some (including the Sec. of State) suggest I ask our accountant. Since it is just hubby and I just getting started (lawn mower/whacker with plans to get a few more items), we are our own accountant. Today, we sent in our M/O to Sec. of State for our legit business name, and should things take off and need the LLC, we will go that direction. For now, being so small, hubby will be talking to our insurance company on other options.