I think people under 18 like Liz can be good and responsible hosts and should be allowed to do it. However, I believe that you should enter into an agreement with the parents/guardians to have them purchase the insurance so that you could actually collect on it should a package get lost. I think it has been said here before (in Jeanette's sticky, perhaps?) that the doll's "mom" needs to get permission from an under-18 host's parent or guardian in the first place anyway, before OK'ing the host's participation. It would be easy to get an agreement about insurance purchasing at the same time, I think.