hey all from Anne-mariehaving done a bit of research on this...
for private events, ones homeowner insurance covers damamge to the property.
If Jeff runs over me with Bella
my personal medical insurance would kick in.
for events open to the public, one gets into a whole nuther arena, and any insurance compnay would love to write you a one time policy for a chunk of money!
hope this helps.,. remember that each state is different, not to mention our canadian neighbors!
we have everyone sign a waiver all the same.
--AM