I would like to thank everyone for the excellent advice you have given me so far.
Update- I am now insured with a 1 mil. Liability policy through AgriRisk - division of Markel. They were by far the easiest company to work with. Woo!
I also have been trailering horses out to the big indoor arena with students that have progressed beyond the round pen.
I am looking into getting my own gift certificates and putting together some specials for Christmas. I was thinking of offering a 'free helmet' with the purchase of several lessons.
I can see why a lot of instructors might not provide helmets, but so far all of the parents have been VERY thankful for them. And as 90% of my students are beginners, they haven't invested in a helmet yet and I definitely want them to wear one that is approved. Also, the insurance requires it.
I am loving this so far. I have really made much profit, but I have made enough to purchase $130 in helmets, $50 in advertising and promotion, and $700 in insurance. I don't think horse people do this to make money though. If I can make enough to where my hobby doesn't cost anything, that's perfect for me. If I make a little extra, that's a bonus.
I have been contacted by a parent who's child goes to a charter school, and the charter school may pay for lessons as part of the child's education! This interests me a LOT. I think my program would fit in great too because of the all around aspect of it. I have a homeschooler who takes weekly lessons as part of her education as well.
Just wanted to hop, skip and jump for joy a little. :) Thanks for listening!