Solid Question, thank you for bringing the matter up.
There is a small risk. Im not a lawyer, but it is likely not a large one.
Depending on where you live, your insurance company 'may' provide some coverage for this. This business may be considered an "incendental business."
There are likely a few hurdles though:
1. The business is not incorporated
2. Its not a full time endevour
3. There are no professional licenses involved
My professional advice is to seek the counsel of your insurance agnet and insurance company. They may say you are fine with what you have. They may also want to add a simple endorsement to your policy to assist. Or of course they may not have coverage for this.
Keep in mind that the small risk here is a liability one and not property coverage.
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