Hi, Nancy! You can check out RLI for insurance:
https://www.insuremyhomebiz.com/index.asp. Their rates are good, but you have to make less than $5,000/year for their insurance.
The Handcrafted Soapmaker's Guild also offers insurance with their Professional Soapmaker's membership:
http://www.soapguild.org/industry/insurance-faq.php.
If you are selling, I would also look into county and state requirements for licenses/permits pertaining to running a business.
Personally, I would get insurance before I started selling to the public. Some folks probably don't have insurance, but I wouldn't want to take the gamble. I have heard of craft shows sometimes asking for proof of liability insurance but I have never encountered it myself.
Hope that helps!