Thank you for taking the time to answer my question. Heres my issue in a little more detail. I spent a year setting up my garage to use as a studio. After doing this, I talked to the City Planner to get a Home Use Permit and he told me one of the restrictions for the permit was that I couldnt have customers or clients on site. I dont have the money at the time to lease a place and dont want to train out of a gym or do all outside training. To do what I want to do, I either need to A) Get the license and be openly defiant, or B) not get the license and just play ignorant if I get caught. Everyone Ive talked to, many of which own businesses, tell me to go with B. Ive been training people here for free the whole time I was putting my place together and now I just want to get it going. I dont plan on training at my home forever, but I do need to start here for money reasons so I guess I gotta be an “outlaw” for now. That is why I wanted to know if I can get liability insurance. If you would check my site out, www.juggernautstrenth.com you can see I put a decent place together and will not let it go to waste. Again, thank you all for your time.