Cost of E & O insurance

[RMorrison]

I've said it before, the $6000 a year I pay for insurance doesn't go far with a good lawyer, I know this already from one lawsuit that I filed. It's a pretty reasonable cost as far as overhead in a business. The LLC seems far more risky.

<snip>Even Richard out here in CA already signed off!

No, just took a break

The LLC approach alone is risky, as you say. Although the point has been made here a number of times, it seems that many people don't want to grasp the concept that incorporation in ANY form is NOT going to protect them from a claim of negligence. An LLC may be great to protect your assets from business creditors or employee lawsuits, and may even have tax advantages. But the one thing it will not do is shield you from a lawsuit alleging negligence.