Bill....
every state is different.....liability insurance is liability, Murphy's law, people dance, people drink, people fall & get hurt, people name you in a lawsuit,.....once you & the establishment get sued you'll be glad you have it or yes a fool for not, plain & simple. It's an inexpensive protection not to have it required or not.



[This message has been edited by Dnj (edited 03-16-2009).]