I am the president of 
www.BikesForTykes.org a children's 
program that refurbishes old bikes into near new condition and then gives them 
to the underprivileged kids in our area.  Even though we are the oldest 
continuous bike program in the US, we still encounter problems.  My 
question is how most of you handle shop liability and event liability?  I 
see a lot of posting about having kids work on their bikes, however the 'hold 
not responsible' forms you have people sign just will not do it in a court of 
law.  The only close to 'protected' way is to have shop and event liability 
through an insurance company and get your 'not hold responsible' forms 
signed.  Even then it is not a 'sure thing'. It all depends on the 
judge.
  Has anyone run this by an attorney?  What did he/she have to 
say and where do you get the insurance from? 
  One injury to a child and a parent out to make an example out of any 
of us and your program is toast!!!
  I have not got the best answer so I am asking all of you what you 
have done.
Sincerely,
Skip Riffle, Pres.
Bikes For Tykes, Inc.
238-450-3366 cell