correct, although not fair the systems states if your self employed and there is a problem you are liable just like if you work for someone they are liable for an error you make as your employed by them.the wage does not matter you could be on 10p a day, the fact is you are self employed and as being so you are liable...
if you sign the disclaimer or not you are still self employed, if you leave a drill in an alley way and someone trips on it you are at fault.
hense public liability..
this is really simple and no matter how much you say money is crap or dont agree,
this is life.