Insurance on pet accessories? (Pet stuff sellers, advice please!)

[yousmellikedogbuns]

To any of y'all that make pet and sell things- do you insure you business or do you run the risk of an animal maybe choking on them and being sued? I'm feeling a little lost and kind of scared about selling my pet beds and toys. I make beds in sizes from small to large and tug toys and squeaky plushies. Typically I make the beds using the fleece fringe and tie method and then stuff them with fiberfill, and the toys are sewed strongly with thread and neither of these things are particularly small or contain any tiny pieces that are usually marked as choking hazards. Any advice would be lovely. Am I worrying too much? I have only sold a couple of things so far and have no money to insure my business.

[CraftyChef]

One thing you could do is go to a pet store and read some tags of folks who had lawyers make up their wording. Then make up some tags to put with your products. Really, fleece bedding seems harmless to you and me, but some people are just dumb as rocks and can kill with a cotton ball.

Now, a tag is not going to protect you if Mr. or Ms. Dumbrocks really wants to take you to court. If you've successfully tested what you make on your own and friends/family pets, I wouldn't worry so much about getting sued.