children will bang on it. Food platters will get placed on it along with ice buckets. If you have a removable cover, plan on having it removed.
Trying to set up rules will only lead to rules being broken and no way to get damages to be compensated.
I would get it out of your house for the summer. Do you have a student who would love to have a piano for the summer? A family who would be responsible? Or hire a mover and put it in storage.
I had a 7’ grand which I donated to a church and now have a 1932 chickering upright that the grand kids do bang on, under my watchful eye