You can put whatever you want in your terms of service but while it might prevent you from losing a case it won't necessarily prevent someone from dragging you through court for the next 20 years at great expense. Just because you state you are not responsible does not mean you aren't or can't be sued even if it ultimately gets tossed out.

This is a very litigious society. When you run any business you MUST have sufficient liability insurance and legal protection to cover yourself for any possible scenario or you can risk loss of income, savings and your possessions.

Up until 2003 I owned a retail business for well over 20 years. Before embarking on ANY business venture you must consult with a good business attorney and let him know exactly what you are doing. With internet businesses you need to find an attorney who is familiar with that as well. You are not always fully protected by a corporate umbrella either. Just because you incorporate doesn't mean you have no personal financial responsibility.

If you are selling stuffed animals that's one thing, but when you are dealing with services that might mean "life or death" to a customer it isn't the same so you have to be well protected even if you are not at fault. Lawyers ain't cheap.

Bottom line is while it is unlikely nothing will ever happen be prepared for any eventuality that might arise. Get GOOD legal advice and remember that ANYONE can sue you for anything and even a when you are fully in the right a lawsuit can cost you a lot of money even if you eventually win. I can personally attest to that fact.