How true John, First, find your homeowners policcy. If your like most of my clients, after they get it in the mail, they loose it within a week and have never read it.
Read the definition of business, then read the liability section. All policies are worded different. If you feel comfortable that your policy does not think your hobby is a business, then you should have coverage under your homeownes policy. If your not sure, call your agent and have him clarify it. Don't take maybe for an answer. YES OR NO. If he says yes, document the phone call. Because should the company decline a future claim, you can then sue your agent for coverage, because he told you it was covered.
Most homeowners policies exclude business personal property and business liablity coverage.
Should your company offer a "home base business endorsement" BUY IT. It can run 100-200 a year and is well worth it. It will pick up coverage for your business contents at home, tools equipment, all the wood and parts etc. also picks up lialbility exposures on and away from the premises.
This is the endorsement I have, I think most companies will give you this endorsement if your sales are under 50 or 100K a year. (Be nice to have that problem)
If a show requires you to provide them with a certificate of insurance, you will be hard pressed to obtain that from a regular homeowners policy.
Another thing, if a person should get hurt in front of your booth, and you have no coverage, they will be suing the event sponsor and the property owner and anyone else remotely involved.
I have plenty of safety glasses around and keep folks more than an arm distance away and allways unplug my equipement when I step away from my table.
This is just an opinion and in no way should be considerd advise to coverage. Consult your policy, agent and company for coverage.
Had to throw in my disclaimer! Knock on wood, 22 years haven't been sued yet!
Anthony