Here in Germany you normally have some form of liability protection e.g. IT liability insurance so you don't give unsatisfied clients your house. Another way is

Here in Germany you normally have some form of liability protection e.g. IT liability insurance so you don't give unsatisfied clients your house. Another way is a UG (it's similar to Ltd.) where you get some type of limited capital liability protection. Bookkeeping is not too cumbersome, you just have to account for such tasks and their overhead in your hourly rate. Factoring all costs is the only big hassle, but after this, it's no hassle at all.