I'm thinking that the only way to continue forward in this litigious society involves incorporation of the two businesses in which I am involved, and some sort of general liability insurance. My guess is that businesses that have gross revenues in the four figure area should be incredibly cheap to insure--but I could be wrong.
The other issue that concerns me is that some of the people sued in the Righthaven suits were sued as individuals--even though the organization that should have been liable (and was also sued) was a corporation or an LLC. It appears that copyright and patent infringement suits allow piercing of the corporate veil. For that reason, it would seem that what I believe is called officers and directors errors and omissions insurance is also required to protect officers of the corporation from personal liability for actions taken as officers of the corporation. Again, I would think the costs of such insurance for a small, part-time business, would be fairly small. Anyone care to enlighten me?