Mary, the answer provided by Chris is too brief and is not technically accurate.
Let me answer the D&B question first, since I was with them for ten years. The D&B Number, called a DUNS number, is not an actual "requirement" for going into business. However, it is a requirement for doing business with the government. This also means that depending upon the type of transportation you are providing, you actually might need the DUNS number. Don’t worry, it doesn’t cost you anything. Think of it like a social security number for a business.
The "business insurance" is a much harder question to answer since again, it depends upon the type of transportation you are providing. For example, your personal insurance policy may not provide coverage relating to claims resulting from the use of the assets for business purposes. You should look into this much deeper to protect yourself and your customers.
Good luck with the business.
Michael
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