An umbrella policy for general liability seems like it could be really useful. They typically cover rather large sums of money, in excess of one million dollars

An umbrella policy for general liability seems like it could be really useful. They typically cover rather large sums of money, in excess of one million dollars, and they aren't terribly expensive. I can imagine someone suing over a misunderstanding because of an X/Y problem. Person A asks a really obtuse programming question, Person B answers it literally, and then Person A goes on to use Person B's answer to build a nuclear reactor controlled by a raspi. Person B then gets sued by Person A when it melts down. Obviously that is a bit of an exaggeration, but it isn't hard to imagine a point in the future where programmers will be held to the same standards as certified professionals such as lawyers, doctors, and engineers. While it's really unlikely any particular programmer will be sued over advice they gave online, it would really horrible to be the person that someone chose to make an example of.