>>This is exactly what I'm worried about. My main source of information is freelance web designers, and they definitely do not have the exposure as a developer in most cases. I suppose I should probably schedule a sit-down with a lawyer and get this stuff worked out...
>
>Before you incorporate, ask the lawyer how much protection, in practice, incorporation would give you. In some jurisdictions a client who wants to sue you will sue both your company and you personally, if you are a director. The idea being, as a director, you are responsible for the actions of the company. So, unless you have director insurance you could be personally on the hook.

Thanks for the info! Do you want to be Director?

>>>Incorporate.
>>>
>>>It's much cheaper today. I think you can do it on line and you'll get that back quickly.
>>>
>>>When I started free lance work, possibly before you were born, on one of my first projects as an independent I hit the wrong key on a main frame keyboard and creamed a crucial table that people had assured me had been backed up and hadn't been.
>>>
>>>There were millions of the client's dollars riding on having that data.
>>>
>>>Fortunately someone had printed a report that told me what should have been there and the OS had not erased the data, just the pointers, so with a lot of effort, it could be put back together - sector by sector.
>>>
>>>That was on a Friday PM. I spent the next 48 hours writing low level code that pieced that table together and when the client arrived Monday AM it was OK.
>>>All weekend, however, I had been watching my life savings flying out the window.
>>>So I resolved that I wouldn't set foot in another client site till I had incorporated and went out and got it done.
>>>
>>>Aside from the liability issue, which is huge, there are lots of other reasons to incorporate and I've recovered that cost many times over the years.
>>>
>>>
>>>
>>>
>>>>>I'm about to present a proposal to a client (on a freelance basis) and I'm in need of some verbiage to release myself of personal liability. I know the safest thing to do would be to form an LLC, but I was told that that's probably overkill for a freelance developer that doesn't plan on having steady freelance work.
>>>
>>>Any advice out there? Does anybody have some verbiage they would copy and paste for me? Thanks!