[ThomasPowers]

Commercial doesn't mean anything in this situation you still have the liability and you don't have a corp to absorb it so they can take your house, car, shop, tools, etc. Being friends doesn't help as much as you would like to either. My insurance states that in case of an accident I have to sue any third party involved or the insurance doesn't have to pay. Many policies have that hidden away in it.

Not having any restrictions is what helps a lot! Hopefully there isn't any state wide ones you are not aware of. I live in a semi rural unincorporated area with no local restrictions but I know there are some statewide ones I ignore at my future peril as I have done so in the past and will probably do so in the future as well---but with my eyes open.