I'm pretty sure the guy I am thinking of using doesn't have it set-up as a proper business.....with liability insurance and such. He trains horses (and actually I bought my mare from him) but I don't think that is his business.
Actually, when I sent my colt down for breaking, I don't even think that guy was set up as a training business. He had other things he did as his main income.
So I don't know. Sounds risky I guess, to use someone who isn't a professional horse trainer?
I guess we would need to research the issue with the insurance company.