Only if you need financing (which most businesses need, but which was not mentioned in the OP).
OP, if you grow later, you may want a bank loan. At that point I’d get a CPA to do pro-forma financial statements (which requires a business plan–they’re all pretty standard and you can find models online or with the SBA.)
And it is always good advice to let a lawyer look over your situation to make sure you are aware of any risks out there for you.
Good luck, OP.
ETA–in your case insurance is more important than protecting assets, but an LLC is VERY easy–just like a sole prop.–although it probably wouldn’t make a difference at your small scale. [insert disclaimers about this NOT being legal advice]
I have been paying for everything I need with my own personal credit card - I don’t need any investors. I have spent everything I need to for the most part, until I have orders, and I am about $4,000 into it - over 25% of which is advertising. When I talk to the bank on Friday, I am going to ask if they will give my business a credit card, so I can keep it all separate. I don’t expect to ever be in more than $6,000 debt, though, and never want a store front or real employees.
I thought the insurance rep would know about the risks - that is their job, isn’t it?
In relation to the “get an accountant” posts, you need to be aware of all the tax breaks that are available for small businesses at all the levels: federal, state, and local. There are many of them, but they often depend on the business being structured in certain ways. Don’t wait until later to understand taxes.