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First off, no opinion about the insurance issue. Second, sorry this is so long. Having done what you are proposing, here are my thoughts. What kind of paint will you be applying? This is important for a couple of reasons. If, by any chance, it is lacquer, nitrocellulose or acrylic, you don't want the surface to be painted to drop below about 60 degrees before, during or after, until the finish is dry to the touch or you will get some serious fogging of the surface, which is permanent. If you plan to spray enamel, is it plain ole or catalyzed (with hardener)? All hardener additives are cyanoacrylate based and you DO NOT want to breath these fumes whatsoever! That means even with good ventilation! The same thing is true of modern two part polyurethane automotive paints. That said, any catalyzed or two part enamel will dry faster than a plain ole enamel. Several times faster. Plain ole acrylic enamel may take two or three hours to dry to the point where you can safely lower the temp (by exhaust) and/or not get dust in your freshly painted surface. So no matter what paint you use, my rule of thumb is that you ought not turn on your exhaust fan until the surface is dry to the touch. Spray it and leave it. When surface is dry, exhaust to your hearts content, although half an hour to an hour should be plenty with a decent box fan. In my opinion, smell is not a good measure of fumes. All paints will still "smell" long after the danger of explosive fumes is over. I have dealt with the issue of how to avoid breathing paint fumes under these less than optimal conditions by using a full hood (I have a full beard) and outside supplied air. This requires a special air compressor meant to supply breathable air. Under no circumstances should you try to jury rig a supply line from a regular oil type compressor or you will be breathing air with tiny, but unhealthy for your lungs, oil droplets. Not good. A compressor like this is sort of pricey, but in my opinion a good one time investment for all kinds of noxious fumes one may encounter. Hope you post about how this turns out. Some pictures of your freshly painted toy tractors would be nice. Good luck. Hope I've been of some help. Mike
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