This ignores the fact that nothing is stopping someone from suing you personally today, small business owner or not. There are two types of people who sue: -

This ignores the fact that nothing is stopping someone from suing you personally today, small business owner or not. There are two types of people who sue: - rational actors who have acted in good faith, exhausted all avenues of recourse, and feel like the courts are their only hope for some sort of resolution. - irrational actors who sue for weird personal reasons, can’t be reasoned with, refuse all attempts to come to a reasonable settlement, etc. You definitely want the first type of person as a customer. Again, nothing is stopping anyone from suing you personally right now.