Ok the app is beautiful and seems like it solves a real need. But the thing I’m most impressed with is that you actually seem to have written up a real ToS that covers most top-of-mind issues, including a section for recommended insurance coverage.
Recognizing that the “app” is just one piece of a larger business model (including considerations for legal, support, etc) is a legitimately mind-blowing level of professionalism for a 17 year old. You’re going to go far.