The answers to your first two questions are easy to find. To determine insurance requirements, contact an independent business insurance agent that handles multiple insurance lines. Tell him/her what you plan and they can recommend the coverage you will need (liability for sure) and they can also give you estimates of the cost. To register your business with the state, you register the name and entity type. The cost will be based on whether you plan to register as a corporation, LLC or another business form.  If you register as anything other than a sole proprietor, you may need to add in the cost of an attorney to help prepare the paperwork. The retail sector would be one part of the business and the studio another part. A good accounting software will help you create the needed accounts. If you are uncomfortable doing it yourself, you may need to hire a bookkeeper, at least to set up your system. Yes, the best way to determine the cost of retail space may be to contact a commercial realtor. You might also check web sites of commercial real estate companies to get an idea. Most property is rented by the square foot and that will vary by location.

Hi, check out our page on Writing a Business Plan which includes helpful tips and resources. Also take a look at our 10 steps to start a business which provides a quick and easy way to get a grasp of the process. This page will help answer your questions. The SBA also has resource partners like SCORE, Women’s Business Centers and Small Business Development Centers located across the country which provide free business counseling to individuals looking to start or expand a small business. These organizations can help you with the process of starting your business. Visit SBA Direct at http://www.sba.gov/sba-direct to find your local SBA resource partners by entering your zip code.