Depends on how big the potential judgement is. If you are looking at small numbers, then nobody is going to go through the work to prove you personally liable

Depends on how big the potential judgement is. If you are looking at small numbers, then nobody is going to go through the work to prove you personally liable unless you really screwed up and made it easy. If you are looking at 10 million dollar judgements... if this is a risk buy liability insurance.