If these company’s lawyers didn’t warn them to watch out for this, then these guys need better lawyers! ;-) Seriously, though: “Who is liable if…” is always one of the most important questions that a company should be asking itself in every aspect of its business. Corollary to this question is “Am I insured for this, if I am liable?” The answer doesn’t always have to be “yes”, but you NEED to know when the answer is “no” and what it may mean to the continued viability of your business. This is basic risk-management. And it is every bit as applicable to disruptive start-ups as it is to stodgy blue-chip companies!