My insurance agent said I'd need both business insurance (which also means getting the ok from county to have business in my home) for liability (i.e. someone falls coming into my house,etc). Just too many hassles and not worth it to me. Around here, the shops that rent time on LA charge about $75 for a 3 hr certification class (basics) and then about $25/hour for time. Several have stopped renting time as they are busy enough with customer quilts and don't want to mess with it.