For example...is liability insurance needed? There's currently no office, so it's not like someone can slip and fall on the sidewalk (a commonly cited example for why to get coverage). Also, are there other types of coverage that are particularly relevant for web-based businesses? Thanks!
I applaud your attention to detail but this is a detail (and expense) best reserved until you have an MVP up and running and some evidence of customer demand for your business.
In bootstrapping any business, it's important to minimize your expenses until each expense is justifiable. Business insurance is a great example of an unneeded expense at the pre-launch phase of your business.