Maybe I'm paranoid or something but it is hard not to be one when all you see in the news how some people sue others based on ridicules charges and then settle for millions.
My situation: I work full time but I also do mobile apps during my free time. When and if it grows into something serious I will look into opening a company and getting a proper commercial insurance. In the meantime, what insurance options available to me (as self-employed developer) to protect my assets from potentially unhappy customers who wants to sue me?
I can see online many insurance products (Umbrella Insurance, Comprehensive General Liability Insurance, Cyber Liability Insurance, Errors & Omissions Insurance, etc.) Do you know which makes most sense in my case?
P.S. I also researched LLC as an option for liability protection. However, form my research it doesn't offer much in case of Single Member LLC. Just google "Piercing the corporate veil" or "Alter Ego Liability"