Did some quick research on Liability Insurance for Small Business or for Self-Employed Contractor. This poll / discussion is asking what do you pay? For 2013, my requirements changed.
General Liability Insurance
Professional Liability Insurance (a.k.a. Errors and Omissions)
The Professional Liability Insurance can cover things such as Amendatory Endorsement - Claims Made By Any Regulatory Authority or Governmental Agency
Spent some time going over these. Found my general liability was cheap, but most things didn't cover real-world events. Not going to give any advice here except to shop around and ask hard questions.
For 2013 with $1,000,000.00 USD for each General and Professional:
General: Year: $276
Professional Year: $1,350
In general these were up about 45% from a poll with technology types back in 2003.
Please be incouraged to respond and discuss this.
If you are a consultant, self-employed, or independent, you have an increased chance of being required to get Professional Insurance.
Here is an intereting study / survey that includes Database Programmers:
Coverage for the liability arising out of the de-sign and manufacturing of technology-related products, the creation and implementation of soft-ware, and the provision of related services, is a growing business, with specialty coverages de-signed to cover the Errors and Omissions liability that may not be covered under traditional liability policies. Tech E&O coverages can be purchased for technology consultants, systems integrators, application service providers, Internet service pro-viders, Internet retailers, cloud services providers, network electronics manufacturers, medical tech-nology manufacturers, and telecom companies.