[Foster]

I talked to a local independent insurance agency who handles a variety of policies with different companies when I did our policies.

Dependent items are:
- access by the general public
- are you holding events?
-- if not in your space then the people that own the space will tell you want they must have
- are you working in your own space? If not the building owners will tell you what you need
- use of power tools - You can mitigate the cost some by having formal training programs for the use of power tools and limit the people that can use them
- replacement of tools - current value vs replacement value
- parts and supplies - current value vs replacement value
- liability coverage amounts
- coverage at your home shop
- coverage on the road at events
- transportation of roboteers / mentors to from events
- transportation of roboteers by mentors to and from build sessions

You agent should be able to walk you through these and other items. Plan on it taking time and your head exploding on some of the coverages (ie replacement vs current value vs agreed value for tools)