Good one Scott, I like the auto disclaimer - lol.  Creative writing can be fun!!

From a legal standpoint I THINK (not an attorney and never claim to be one -- oh, is that a disclaimer I smell??) most disclaimers can be torn apart by a good attorney.  And like many have said before with the propert insurance and knowledge of the job and doing it right, it really isn't necessary.  The insurance companies that require it for coverage are just trying to protect their ***. 

Whats the Golden Rule.....CYA baby.