I've stopped fixing a lot of things for friends and neighbours over the years, for the various legal constraints that have been implimented i.e. Electrical house wiring, Gas boilers etc. Also lately, fixing anything electrical in case of fire hazards down the line, if it fails again, either from my work or just one of those things. Insurance companies are doing the investigations to save paying out and sometimes the authorities too in cases of harm to users/occupants!
I used to have public liabilty insurance many years ago when running a small engineering business as a side line but not since I closed it down.