panginoon guro mike,

Thank you for your response. Yes this information is very helpful. It
gives me direction I had not considered.

Thanks again
The Bear Warrior

-- In WSEFflow@yahoogroups.com, "excalibur921" <excalibur921@y...>
wrote:
> quite a few of the "successful" instructors i know personally,
> have found it more equitable to teach from their homes or to
provide
> private lessons at the students home.
>
> by offering the instruction at your residence...you are covered by
> the home owner's insurance carried on your residence. whether you
> teach in your basement, garage or in your yard, you are covered.
> therefore my best suggestion would be to refer to your home owner
> agent.
>
> another option is general liability insurance, this is insurance
up
> to $100,000.00 which travels with you. very reasonably priced
> between $200-$300/yr depending upon the state. i'm giving the
range
> for my home state of Illinois. this is the same type of insurance
> that a
> process server might be required to carry by his/her
jurisdictional
> government(county).
>
> i hope this has been somewhat helpful for you.
>
> respects,
>
> panginoon guro mike