who do you think the guys lawyer is gonna come after first?
First or last....they will only go after the entity/person with deeeeep pockets.
Ever tried to retain a lawyer to sue somebody? It's not quite as easy as Judge Judy might make you think. The only way your going to get a lawyer to spend his time talking to you is if you....
(1) Plop down some significant cash (that you never expect to see again).
or..
(2) Have a reasonable case and an offending party with deep pockets.
When Mr. I. Chase Ambulances, Esq. sees that the "offending" party is Mr. Modest means, he's not going to waste his time taking the case on a percentage. Because.....50% of zero is still zero.
Setting up as an LLC or Corporation. is smart, but even if you don't, you can file for bankruptcy and keep pretty much everything you have.
My wife runs her own business and I set her up as an LLC taxable as an S-Corp. for tax purposes, and to create a means to buy fully deductable health insurance (I can legitimately claim to be her employee, as I'm a registered agent of the LLC and authorized signator on the business checking) as it only takes two people to qualify for group rates.
As far as all the "internet shock and awe" advice about liability insurance. Have you guys ever gone out and bought any. Years ago when I was inbetween jobs, I did landscaping and light excavation to put food on the table. Every customer required proof of liability insurance and I easilly picked up a million dollars in coverage for about $200.
I'll bet ya a DD coffee that both roofers and loggers pay higher rates than Joe Homebody reloading in his basement.
Insurance is all about the numbers and I suspect most gun accidents are easilly attributed to other casues than using reloaded ammo.
There's a certain "Hutspha" required to go into any business and my $.02 is that you either "do it" or you "don't", but don't "play around."