I'm not fully aware of hosting issues. But are we properly covered in the case of major disruption issues (machines stolen, hardware damaged, etc...) ?
Is there an insurance ? And what about the contract ?
Our insurance policy is essentially the same as flyonwall's, since I got it through the same agent (thanks Carlos!). Only difference is that we're insured to $600,000 (for now) instead of $100,000, since we're a bigger operation. I believe the insurance covers theft by third parties and hardware damage due to fire and similar events.
We're still working on our Terms of Service agreement/contract thing, but if you want, I could PM you our current draft.