I did some research on starting a LLC in VA. It looks like the total filing fee will be about $100-150 which is definitely worth it! THanks for all the great replies and links! To reply to the last comment - Insurance is definitely good too but I'm sure the insurance company has a cap limit too, right? So if you were sued and the plaintiff was granted more than this limit I think you would be liable (i.e. your personal assets)...I'm not sure about this but I would think that's how it works...