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You only need Workmans Comp. Insurance if you have employees, right? Atleast that's how it is in my state of Oregon, but you do need Liability Insurance, which I get from my local American Family Insurance Rep., its fairly inexpensive for 1 Million worth of coverage I pay $45/Month, this covers my equipment as well for theft and damage, up to 5K worth.
Here in Florida, even if you are a sole proprieter with no employees you either need workers comp or have to file an application for exemption with the state.
I am comp exempt myself, though my employees are covered through my payroll service.