Public liability insurance. If you are running a music school with groups of small children (as in a choir or theory classes), get it. All it takes is one stupid kid to trip over a rug or spill a cup of hot coffee on himself for you to get sued and go bankrupt. Some people even get it when they organize concerts, for some reason. It pays to be a little paranoid and it is not expensive at all. Understand that most parents are quite understandably neurotic when it comes to their kids, and when one of them gets hurt they will look for someone to blame. Make sure you're covered.
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