from a discussion regarding insurance:

i don't know much about the law, nor do
i even care much, but i would never build
frames for a living without full product
liability insurance from a mainstream ins-
urance firm. the issue has been beaten to
death; i also think one should be fully
covered if one builds a frame that is sold,
traded, or given to ANYONE else. see the
list archives for my personal garbage on
this subject.
sometimes, i even feel like those who take
some of the info shared on this list and put
it to constructive use - and then ignore or
even delay purchasing full insurance coverage -
sometimes i wish i could filter them out of
recepetion range.
don't lower the bar. get complete coverage.