Can you operate as an LLC (limited liability company?) I am not that legal savvy, but I believe that you cannot be sued beyond your insurance maximum if that's the case.

My dh's business operates that way, and so do several other contractors we know.

One was sued when the power went out and the sump pump he installed, in a finished basement, failed. They got a payout from insurance but couldn't go after him personally, even though they tried.

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