Tod wrote: <br>&quot;...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).&quot;<br><br>A-ha. Maybe check with the client and gently advise. I&#39;ve run into folks who are new and trying to cover every jot and tittle, but accidentally reading the wrong page of the IRS W-9 form instructions. Or worse.<br><br>For those considering this topic, it is very easy to find coverage. Once I saw a message from a CW muster organizer stating that he was about to cancel the event. (It was a meet &amp; greet, no battle re-enactment, just a chance to dress up and march and drill, followed by a dance.) He was not a power internet user, so I went surfing; found him several (cheaper) carriers within an hour.<br><br>--Karen D.<br>still in the snowy mitten