Your license agreement with Paterson makes clear that when you, as an Independent Guide, serve your own client, that liability does not transfer to Paterson, but stays with you as the Guide. As such, you may choose to purchase General Liability Insurance, or self-insure to appropriate levels. Although we've never heard of a case of a client bringing action against a Guide, the decision of whether to purchase insurance, or self-insure, is of course your own. The same answer applies to whether or not you should operate under an LLC. Some Guides, given their situation (and perhaps owing to other work they do, like counseling or consulting) opt to create an LLC and run their Guide work under that umbrella. For others, that approach hasn't been needed. So again, we don't provide definitive guidelines with regards to liability insurance or forming an LLC -- we're simply not qualified to offer that kind of legal advice.