I have a million dollar liability umbrella on my home...State Farm. It doesn't cover any commercial activities. If I'm doing a volunteer gig, then maybe so.

I've asked a few of the activity directors of places I play to see what they could find out. We'll see if I get any response there.

From discussions with them, I found few of my musician playing friends carry any business liability. A shirt tail cousin I have that's in the entertainment business carries a policy that runs him $1,000 a year in premium. He told me he broke a $900 glass door at one of the places he plays and his insurance covered.

My insurance agent, whom I've known for years, told me he sees a number of clients pay for claims out of their own pockets when they mistakenly think their home owner policy will cover a business claim.

Interesting. I'm still doing some research, with my agent, on this.