Insurance Policy Suggestions for Sole Proprietor eBiz Owner

Just wondering if any other eComm sole proprietor biz owners have any suggestions for insurance... I have basic personal health and some liability. What I'm looking to get is a better BOP policy that covers product liability at the user end. Then I'm most worried about what would happen if something happened to me, since the whole biz is basically me. Something that would pay if I was incapacitated. And then something for the future as far as long term care to pay into. I would prefer to lean towards in home care. Any suggestions welcome, thanks.