[jonboy]

Thank you all for your advice. CD is a great resource.

The tip about 4H capabilities was very enlightening. We are following up with our 4H state representative.

The another iron we have in the fire is to continue to follow up with our local independent insurance agent. There are more than 30 endorsements/exclusions to plow through ie fine print.

The final iron is to review and revise as necessary our current waiver form.

Thanks again for all the good comments.