Have some basic questions about starting a business in NY state.
Do I need liability insurace to be a sole proprietor, painting
contractor in NY state?
How much is enough for this line of work?  I do NOT use scaffolding,
do exterior painting, or work over three stories.
Also--
Do I need to register my business name if my persanal name is in the title?  
I have a tax ID number, and that is it.

Hello, mbalz-ga:

The New York State Governor's Office has an agency that operates the
website www.NYS-PERMITS.org (also www.NYS-OPAL.com).  That website
will help answer some of your basic questions, and will allow you to
apply for many New York State business permits & licenses online.

If you have more specific questions and need to speak with someone,
they operate a Business Permits Unit, staffed with people who are
exceptionally knowledgeable about NY State business permits &
licenses.  The toll-free number is 1-800-342-3464, and they're
available Monday through Friday, 9AM to 5PM.

Good luck to you!
-Scott