>>FWIW I have been an independent consultant for 20 years now and have never had liability insurance or a lawyer. I have never been sued by anyone. In my experience it does not occur other than in cases of gross misconduct or fraud, and think I know you well enough to know those will not occur. Put the money into a dedicated account for your son's education instead
>
>Starting middle linebackers at the University of Iowa do not need an education fund.
>

LOL -- exactly!

My younger pride and joy gets a lot of scholarship money from UW-Madison. Educational, not athletic. She was good enough in volleyball to play club and be co-captain of her HS team but nowhere nearly good enough to play in the Big 10. Which is a good thing, because being an engineering major there is no walk in the park. I keep telling her, Hang in there, Emmo, this is probably the hardest thing you will do in your life.

(Gratuitous parental advice excised; I don't think you need it).