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Quoted from Nokoro:My guess is a lot of mod makers just don’t see it as an appreciable risk. But if you really want to eliminate the risk, then probably the best thing is to set up an LLC and get general liability insurance.
My guess would be most mod makers have never even thought of this scenario. 
Quoted from sethi_i:Probably right. They're not blowing up the thread with "what I did was..." stories.
Lol... yah insurance is one of those things you ignore or cross your fingers until you need it.
If you are selling a product you need liability insurance and yes its expensive.
here is all you gotta do if you sell products... just watch TV during the day and evening, pretty much any local programming or news and make note of how many lawyer commercials come on.
In any given day 100 maybe? Now... commercials are expensive so how do lawyers afford such things? They sue companies for all kinds of shit.
If you sell a product that could electrocute someone or cause them to electrocute themselves or installing it could accidentally cut their finger off.. or could damage their property.... or even if they think its scary and it causes them to lose sleep and causes "emotional distress"
People will sue for just about anything these days and there are no lack of lawyers to take the case.
Quoted from pinball_mutha:The service outlet would help for sure, but I did some checking and found that it is always on.
I suppose you could connect a remote controlled outlet to it, but there again the user is still responsible to turn it off.
So someone that buys a curling iron or or heater that doesn't have an auto off feature, what do companies do in those situations, I would think that would be a huge risk leaving it to the user to make sure they turn it off. If a curling iron burns down their house because they forgot to turn it off, I wouldn't think they could go after the manufacturer because they didn't follow instructions, or could they?
Since you keep asking the same question over and over I think you know the answer..
If you are risk averse (which you seem to be) and selling a product you need insurance...
You of course do not have to have it but anyone at any time can sue you for pretty much anything.
Even if you are just a person and not selling anything if you have any net worth to protect you should have umbrella insurance.
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