I am not a lawyer but I believe you can be liable through a Tort as an individual if you are negligent. If you represent yourself as anykind of professional you may have a duty of care to the public so while the individual you have a contract with may not be able to hold you liable if a 3rd party not involved with the contract is injured as a result of your work you may be found liable.
I think that is the only think I learnt from the engineering law and ethics books. Basically carry insurance because there is always a way to sue you.
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