The need for a business license depends on the type of work you do (see link below) but it is likely you at least need to file business tax returns. By the need for "workers insurance" I think you mean "workers compensation insurance" at that would be needed if YOU employer others. You may benefit from a business liability policy depending on the type of work you do.
This is not legal advice nor intended to create an attorney-client relationship. The information provided here is informational in nature only. This attorney may not be licensed in the jurisdiction which you have a question about so the answer could be only general in nature. Visit Steve Zelinger's website: http://www.stevenzelinger.com/