Same here I think; my recommendations would be based more on your needs and just generalizations.
Pre-paid legal might be a good place to start.
Choice of uniform would be based on your training program and what your goals are.
I like the Ronin Middleweight Karate uniform (9.5 oz) for a "kenpo" class, but not for grappling.
I don't require my students to wear uniforms except for formal occasions and even then they are not required to buy them from me or all wear the same brand.
Insurance needs could be covered by your business policy, depending on how it is written.
I mostly buy rattan sticks, training guns, boxing gear (16 oz gloves, mouth guards, focus mitts etc) and the like from the best looking source (Title, FIST, Kombat Instruments Limited, Amazon, Red Man, eBay, whatever) so I don't have any recommendations for karate "sparring" gear.
We use stuff like thai pads, Predator Armour and impact baton shields in place of pork chop paddles, shin guards and the like.
