I never really worried about this stuff and still don't worry. Just trying to be smart and protect myself.
Being married to a wife in corporate law has been an eye opener as well. She handles the litigation and is the one who handles the service of process for all legal matters for a worldwide company.
I hear about all the crazy stuff first hand.
Basically in a nutshell..."If you want to sale anything...you WILL have insurance!".
Kind of how that went