Depends on what you have to lose. IMO the more assets you have the more you need to protect them......or maybe you should think of it in terms of what you can afford to lose. When you don't have much you really can't afford to lose any of it.
Some policies might indeed protect you.....but if it were me, I'd want specific liability coverage.
Might also depend on exactly how you set up the business.
I'm not a legal professional---if you are serious about doing it I'd suggest running this by a legal professional........maybe they would be willing to trade
their services for you
training them or perhaps their kids.