I don't profess to be a legal expert myself, but that's why I hired one to draw up T&C's for my design consultancy. He was quite adamant that any attempt to disclaim liability for death or injury could well be found to be invalid / unenforceable.
That's because you are a professional consultant providing professional advice and/or product for a fee. A totally different ball game to releasing technical information onto the internet for free in good faith, in terms of insurance coverage. Providing a direct paid service to someone puts you directly into the insurance firing line. Publishing general technical information freely on the internet is at the opposite end of that.
You can insure yourself against such claims, of course, but only if you're making enough money out of the work to pay for cover. No good if you're giving your stuff away for free.
You cannot insure yourself against personal legal liability. If you deliberately design something that kills or injures someone, then you are are still personally legally liable, and can still go to jail.
The main concern here is if someone kills themselves, in which case, you won't be sued for the usual crap, you'll be potentially up on manslaughter charges.
Having insurance or not means absolutely nothing here.
It may be, of course, that a person's legal obligations differ depending on whether information is posted for free as opposed to being developed on a commercial basis - but for the sake of a set of xmas lights I certainly wouldn't even consider it. Not for a millisecond.
And I find that quite sad
![Sad :(](https://www.eevblog.com/forum/Smileys/default/sad.gif)
If you provide technical information in good faith with suitable warnings, then you are covered.
It essentially makes no difference whether it is for free, or paid work, or in employ with a company. It always comes down to whether or not you caused danger knowingly and with a malicious intent.
In your own country, electronics magazines have been publishing main powered projects for generations, and they don't have a problem.
Dave.