Bikeboystephen,
At some point you will see the need to get liability insurance. In today's world it is a must! I own a golf club repair business, and have worked as a professional mechanic in a high end bike shop. We had a test ride go bad one day when a girl went on a test ride with her purse slung over her shoulder. It slipped and caught in the front wheel causing a crash and a $1500 ride to the emergency room, stitches and some other bills from the docs. In my golf business only one head coming off and hitting another person will result in close to a $1 million claim. Get insurance first. Smiles, MH