Business insurance is not expensive relative to the opportunity to work with larger companies, most of which require you to have it before they’ll sign a contract. It’s a signal that you’re a serious business and not liability.
On your end, not having insurance puts your business at risk because any client can sue you for a good reason or not. Professional and general liability is about $850/year for $2M coverage for me in US. That’s about 3 hours of a lawyer’s time. Do the math. Get insurance.
@ germinc — Don’t give out your server details and then not follow up.
@ All authors — Don’t touch anyone’s server without a contract. Support is a valuable service. Get paid. Why would you voluntarily put yourself at risk?