Hello let's assume I would go to a guy who knows what I offer e.g. Handy laptop something and then I go and test and inspect it and then accidentally falls off and then breaks Who would stick?
Yes you of course, or your private liability.
And
then accidentally falls off and then breaks who would stick?
You of course, who else?
Always the one who breaks it.
You of course. You dropped it too. It is not so certain whether your personal liability insurance will come into existence and if so, then at most once. Because some insurance fraud is happening.
Of course you!
Hopefully you will also have good personal liability insurance.