We are incorporated in New York and do business in and around NYC, the world HQ of Litigation, Inc.

We've never been sued either, but I've seen some awful things happen to some innocent colleagues.

A few thoughts:
1. Incorporate or piggyback on another corporation. NEVER do anything as an individual.
2. Have a contract that limits your liability to the refund of fees paid for your service or product, no matter how trivial the project.
3. Don't give the vultures an attractive target. Stay lean and don't keep any appreciable amount of valuable assets - especially cash- in the company.
My company doesn't have a liablility policy because we disburse all the cash as salary and the value of the assets at risk < the present value of the liability premiums required to protect them.
The typical litigation attorney won't waste time suing a company with no insurance and small amounts of cash or other liquid assets.
A liability policy gives them an inviting target.

If you think about it in our business which doesn't tend to have a lot of fixed assets, etc, a liability policy benefits the litigator more than it benefits us.

Some large clients require an errors and omissions policy.
In those cases, we got one to cover that project and then cancelled it.







>>Welcome to the United States of Litigation.

We maintain liability insurance for errors and omissions and whatever else we've been required to have for various federal, state, and corporate subcontracting gigs. It's not horribly expensive.

Considering all the people I've met that would throw me under a bus rather than admit they were at fault, I call that a requirement. Yes - you've met them too.

We haven't been sued (or threatened to be) yet. But you never know..