eCommerce Business Insurance: 3 Coverage You MUST Consider

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I’ve been searching the internet for insurance, I have a e-commerce store (personal site) selling only one product manufacturer is overseas and it’s a drop shipping operation. Please tell me a website to go to for insurance to cover the cost of damaged goods and more.

Prada
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I am just starting up with two online shops, one is currently through tee spring and one through shopify (all dropshipping). I am considering forming an LLC, however, I am wondering if I need product liability insurance as well. For example, if I sell a candle manufactured by a different company through my website and somebody burns their house down, am I liable? Would the LLC (plus terms of service on my site) be enough to protect me, or should I have insurance as well? I do not expect to make much with either of these shops, so paying even a $30/month premium would significantly eat into my profits.

mandar