[badpun]

I would too I think, if I lived in the US. But the culture around law in Poland is pretty much opposite of the US. People just aren't lawsuit-happy, probably partially because the courts are inefficient and you can wait a long time for a verdict, and partially because the courts often don't award that much in those verdicts (and those absurd multi-million verdicts for trivial things that are a thing in the US would never happen here). Here, I've never heard of a software contractor even being sued by a client, let alone lose and have to pay anything - and I've been in the game for 20 years. First time I hear it does happen, I'll reconsider getting a better policy.

The requirement for the policy some clients have are only there because they're multinationals and it's a company-wide policy. Local clients never expect contractors to have a policy.

[jddj]

Yeah, that's fair too. Admittedly my work puts me into contact with relatively litigious parties.

I think at my current premiums I would need to pay insurance for 100 or 1000 years to even get close to the sort of numbers that get thrown around for a day's worth of damages on some of these projects.

The likelihood is absolutely that nothing serious will go wrong, that if it did it wouldn't make it to the courts and furthermore that if it did it wouldn't be negligence of any kind, or was covered within the contract itself.

But the thought of having skipped out given the possible consequences; No thanks, value my sleep too much.