I think a suitable disclaimer in the installation would be sufficient. Certainly that's all most software writers use. Remember to reserve copyright and only grant a "licence to use", otherwise you might find others selling your hard work!

Example found from a quick google search:

"The software and documentation for {PROGRAM} are offered AS IS and WITHOUT ANY WARRANTY express or implied, including but not limited to warranty of design, merchantability, or fitness for a particular purpose. In no event shall we be liable for any incidental, indirect, special, or consequential damages resulting from your use of or inability to use the software or documentation, even if we or our representative have been advised of the possibility of such damages.

In no event will our total liability to you for all damages, losses, and causes of action, whether in contract, tort (including negligence), or otherwise, exceed the amount paid by you for the software, exclusive of handling charges, commissions, and currency conversion fees."

Don't think a ltd co would actually help, as directors are still responsible for "negligence".

Ambulance chasers would rather have Microsoft's billions than your thousands.

Insurance likely to cost an arm and a leg. And just encourage the ambulance chasers.

ATB
Nige