I am a sole proprietor. What kind of liability insurance can I buy to cover my business? My biggest concern is data loss of a customers computer. Other possibilities are breaking the hardware, but that can be replaced. I would also like loss due to fire or theft. Hopefully I'll never have to use the insurance, but I'd like to cover myself.

Second question, I would like a customer release form. Something to the general effect that they will not hold me liable as long as I take reasonable precautions and do good work. Most of my business revolves around fixing windows issues, but I occasionally also work on hardware. Are there any generic forms out there that I can use or tweak?

Any advice is appreciated.

Thanks in advance,

Mike