[rnewme]

Because you would choose someone else for things that really matter to you, probably the same person you would chose in that kind of scenario anyway. Eg. for my initial llc where I was single employee, I didn't care about my accounting basically saying in the contract "we ll do our best but can't be liable for anything", whereas now that I have bigger llc with many employees I picked (what I perceived) the best option on the market, for a premium price. They take the liability for their work and have insurance.