Thank you for the information.&nbsp; Karen, I have had requests when producing events, which is not so surprising.&nbsp; In this case and most cases the participant is an independent contractor, contracted by the school (producer) which would lead me to think the insurance burden is on the school (producer).&nbsp; Times may be changing.<br>Name - I realized after posting that my name was not included, I assumed that it would be, but I was wrong :)<br>Happy New Year,<br>Tod Whittemore <br>Northeast CT