Unless you're huge, you'll find most providers will limit their liability to the cost of the service, which is usually a rounding error of your risk. If you th

Unless you're huge, you'll find most providers will limit their liability to the cost of the service, which is usually a rounding error of your risk. If you think you're covered in any meaningful way with a standard contract, you most likely didn't read their terms. If liability is a concern, you need insurance.