teaching at-home lessons

Was wondering if anyone has experience teaching pottery lessons from your home.

I looked into starting a studio & decided against it to keep my love for pottery alive + all extra expenses like insurance, etc.

Now I’m wondering about just doing small 1 on 1 or 2 on 1 pottery sessions in my area but was wondering what people’s experience with things regarding insurance or if there is a way around it, with donations or however you would label it. I’m planning to keep low key and mainly just taking on ppl i know or somewhat know. Any ideas on how to go about this to make it worth my while without spending a fortune on insurance?

I have home owners but not sure if this covers something like this or how that all works.

Just looking for thoughts, suggestions, & ideas.