This is the one thing I'll never under stand ever. People running a business with no insurance. Two things to think about. What happens if all your equipment gets stolen or you damage a customers car? How are you going to replace or fix the damage.
Have you ever done a plane before? If you haven't then you shouldn't be touching a plane. There are many things you need to know before you ever touch a plane.
I've been using for the past year and never a problem. Like Avi said always apply in the shade. I love this product and most detailer's don't even know about this product. After the first time I used it I was sold.