It looks like this is the site to set up your LLC:
https://www.state.nj.us/cgi-bin/treasur ... /page1.cgiThis is the site that gives information on that process:
http://www.nj.gov/njbusiness/starting/Once you get the state one, then you can go with the city one - or at least, that's the way it works in Washington state.
I haven't ever heard of having to show insurance to get a business license but you don't need to have a registered business to buy insurance through the Indie Beauty Network.
http://www.indiebeautynetwork.com/chann ... urance.aspYou'll get your city license at the city office - generally where all the government offices are for your city. I think you might be close to Chesterfield but I'm not sure. If you are, I think this might be your office
http://www.chesterfieldtwp.com/index.htmlThese are two books that might help demystify the process for you:
http://www.brambleberry.com/Craft-Inc-B ... P5656.aspxand
http://www.brambleberry.com/Craft-Inc-R ... P5655.aspxI hope this helps. It's definitely a hassle to get set up but once you do it, and do it right, you won't have to worry about anything but renewing your license ever year or few years.