If I had to protect myself in the way that you are describing, I would have to charge a lot more money.
Setting up an LLC and business bank account would probably run a couple of hundred US$. That's a lot cheaper than having all your assets seized and your wages garnished to settle a civil judgement.
For side work, I'm hired as a drafter. It's that simple. Can you put liability on a CAD jockey?
For side work, you're an independent contractor, performing work for hire. Why on earth do you believe you are immune from responsibility and liability? That's not the same thing as selling software licenses with an EULA.
Courts require contracts stating responsibility and/or proof.
uhmmmm, nope. Better talk to an attorney. Lawyers and insurers are really good at allocating percentages of liability when they can convince a jury or a judge that there's a reason to do so. And all the 'proof' required would be the deposition of the contractor stating that he hired you to create building plans. Unless you propose perjury and denying under oath that you drafted the plans?
What can they say? "Oh, the drafter made a mistake and I didn't catch it. Make sure you get some of that from him." Like that's going to fly in court.
The plaintiff attorney can certainly say the independent contractor performing the work failed to perform due diligence, and as a direct result of his negligence and errors, my client has sustained damages of $XXX,XXX.xx dollars. Whether the judge/jury buy that is a question that can only be answered in court. If the drawings you generate end up being signed and sealed by a registered professional, that's a different kettle of fish. The PE has legal responsibility and liability for your work then. A contractor who hires you to draw up house plans doesn't have the same standing as a licensed professional.
The places that I've worked full time can not put any design liability on their drafter/designers.
Yes, and that's one of the differences between an employee and an independent contractor. In the former scenario, you are working as an employee under the direct supervision of a manager,and the company is liable for your activities. in the latter, you are working for yourself as an independent businessman, and responsible for yourself. I'm willing to bet a cookie that your full time employers have either Inc. or LLC as part of their business name, and that's the name on the invoices they send out, and the checks they write. Almost certainly they are not writing your paycheck against their personal checking account. Equally certainly, they carry liability insurance and if licensed professionals, errors and omissions insurance.
Look, if your plan works for you, great. And as long as you understand and accept the risks, that's your choice. Just make sure it's an informed choice. For some free advice and guidance, see if there's a SCORE group you can meet up with near you.
www.score.org.