IANAL, so all that goes (and doesn't) with that. Before I accept a clients money I always build a proper business around the project to box the liability and s

IANAL, so all that goes (and doesn't) with that. Before I accept a clients money I always build a proper business around the project to box the liability and structure it as a business. This also helps me because there are real costs (minor but they exist) to doing it, and it forces me to see it as a real thing not just a side project etc. If you accept money as an individual you become liable personally for any legal suits etc. At least as a business your personal life & assets (assuming you follow the business structure & rules) isn't really touchable by a disgruntled client. Of course, there are some points where you could still get sued personally even if you have a business but it likely wouldn't stick without extenuating circumstances that warrant it.