I've got one frame under my belt, which will be a bike I ride so if it fails, I probably won't sue myself. I want to start building more, nothing serious, hobby stuff, maybe a frame or two a year, but I don't have a particular need for that many bikes. Recently suicideking made a post about his first frame and giving it away at a local race which sounded like a cool idea.

I've considered doing something similar to help raise funds for various local cycling org's - however, there has to be some sort of liability issue with doing this. Liability insurance sounds like a must if you're selling your stuff, but wouldn't it also be necessary if you're giving a frame away?

What sort of insurance do you carry and is there anyone in particular that specializes in covering framebuilders?