I develop and sell java applications that are distributed on CD. I am wondering what kind of insurance I need? Any programmers on in forum famaliar with this? What does it cost per year? What insurance companies offer it? Ive called around but most insurance agents are not famaliar with software liability. I've read where people say all you need to do is form an LLC.. a laywer has told me that an LLC will only protect you if someone else in your company errors, if you cause a problem, you case still be personally sued.
I have also heard that if you are married, you can not be sued for any assets which have both you and your wife own jointly(house and saving account). Anyone heard this?