liability and CNC

All this talk about commercial versions of CNC software made me think about
this: how do you guys, selling retrofits, deal with liability insurance?
I think that there are probably some people who work for big shops lurking
here, but what about some of you who have your own small business.

On the software side: how do the guys writing CNC control software deal
with it? Not Haas or Seimens, just guys like Yeager, Ah-ha, Hoyt? Has
anyone even thought about this?

Thanks,
Dan