Well, if you said that you own a small business and you are creating a site for it, I think it would be a good decision to protect it. If you don't do that, your site can risk being hacked and you can be a victim of information theft, so pay attention. I would recommend to use a
ssl cert, for the beginning you can use the easiest one, but as your site will grow you will have to decide if upgrade it or not.
I wish you the best with your site