You don't owe it to your customers to have insurance, you owe it to yourself, you owe your customers a product that is unassailable perfect, and upon which no reasonable claim could ever be made, though the risk of a claim exists. Getting insurance is by the way, nothing like the same thing as getting a payout on it, whether for you, or in the fanciful case your customers claim and are made whole by a policy any bike builder could afford to pay.

Just had to cancel a family trip to the US because I couldn't get travel insurance because they have changed so many features they can't actually write it any more. Refreshing experience to have the agent tell me he could write it, but he had no idea if it would actually pay out. This despite the fact that the airwaves are full of travel insurance ads 24/7.