(pretty much) and an upset customer can sue all they want, they'll get nothing. An attorney will see this, wont take the case, cause his 30%of nothing is still nothing. Lack of liability insurance for a smith is not the problem. Lack of enough (well paying) WORK is the problem. The hunters BURY you in work, for 2-3 months of the year, the rest of the year, you starve. Don't bother with a storefront for a smithing operation, you'll starve the first year. run it out of your basement until you have many dozens of happy customers. Your main income will be bluing guns, and it teaches you to dis and reassemble many,many types of guns.