I didn't mean to spread gloom in my last post lol, but i have owned and ran a few bussinesses, and liability is no joke. You have to assume that every person that walks in the door may have an IQ of around 14 lol. You basically assume responsibility for thier stupidity when they walk through the door. My bosse's insurance had to pay over 30k to a lady because her kid sewed his finger while the tech was in the back fixing her sewing machine and she was out front supervising her own kid. You have to be prepared for a 3 year old hanging on the front edge with one hand while swinging that sippy cup he brought in with him at the front glass, while his little sister is dropping all her pennies in the sump and mom has an important phone call from a girlfriend all at the same time lol. Either that or get some really good insurance.
It's sad but it is the way things are unfortunatly.