proven marketing for auto & home insurance agents?

I want to open my own small agency doing life, auto, home, business, health, and many more types of insurance but I know it’s going to be tough in the begining in terms of clients… I am trying to see what can I do in terms of marketing to become known and develope trust among people or community so I can run a successful business… Want to hear how you people, if any of you, started and developed a marketing that really worked ..

If you're an Insurance Agent (Auto, Home or Business) do you have to carry your own Errors and Omissions Ins.?

If you’re an Insurance Agent (selling Auto Insurance, Business Insurance or Home Owners Insurance) do you have to carry your OWN ‘Errors and Omissions’ Insurance? Or is it provided by the Company you are working for? (does your Employer carry the Insurance for you?