Do you need insurance to cater?

If you own the company I would definitely recommend it. If for some reason someone gets food poisoning or wants to sue for any other reason, you could be in big trouble. It is highly advisable to have liability insurance. You can usually get a policy at a reasonable cost and it is a business expense.

You might also want to incorporate to protect your personal assets as well. Consult an attorney, or contact your local Small Business Administration office for assistance.