Most LLCs have assets and thus require liability insurance anyway. The tech sector is a small slice of the business space. Lets phrase it another way - you get

Most LLCs have assets and thus require liability insurance anyway. The tech sector is a small slice of the business space. Lets phrase it another way - you get a bad shipment of chocolate from a supplier, and your cookies send a handful of kids into allergic shock from the peanuts tainting the chocolate. One of them dies. You're likely going to be sued, and your liability insurance is likely a drop in the bucket (enough to cover your business assets). Do you still deserve to lose your house?