General liability and Errors & Omissions[0] insurance are often required by various clients.

As I mentioned it could be a thousand different things that might trigger such liability.

I'm not telling you (or anyone else) what to do.

That said, I'm sure legal fees, if they become necessary, would be much less than insurance premiums. /s

[0] https://www.insureon.com/blog/common-consulting-business-ins...