Pre-Revenue App: Do I need business insurance? If so, what to prioritize? (I will not promote)

Hi there! My husband and I are working on a web/mobile based application launching in beta this year. The app is designed to allow users to track, rate/review, and discover new video games. Think Letterboxd or Goodreads but for video games. So we'll be collecting data like name, email address, video game preferences/ratings + reviews, and allowing certain social media-type activities (posting status updates, commenting, liking posts, etc.). We'll ultimately be a freemium app (and will use a third party to c