If I am selling snow cones do I necessitate a liscense/insurance for selling something that individuals are consuming?
Answers: You most definitely will have to carry a license to sell any product, especially food, and I have never see a license requirement that did not also require liability insurance.
It's highly likely you'll necessitate a license - what kind, depends on where you live and the local law. You likely aren't required by law to pass insurance - but you can still get sued if someone, say, have a serious allergic reaction to an undisclosed ingredient.