I don't have actual experience in this (I learn from others' experience) and I'm not a lawyer, but I find it hard to believe the law explicitly gives businesses better terms than it gives customers. Businesses do, however, have lawyers that can go through the contract and the leverage to demand changes in it, so they can probably get to put more liability on you.
At any rate, you'd want to consult a lawyer to determine what exactly your liabilities are and how you can get better terms. And lawyers cost money. With open source, you can just pick one of the standard licenses and you are pretty much settled.
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I don't have actual experience in this (I learn from others' experience) and I'm not a lawyer, but I find it hard to believe the law explicitly gives businesses better terms than it gives customers. Businesses do, however, have lawyers that can go through the contract and the leverage to demand changes in it, so they can probably get to put more liability on you.
At any rate, you'd want to consult a lawyer to determine what exactly your liabilities are and how you can get better terms. And lawyers cost money. With open source, you can just pick one of the standard licenses and you are pretty much settled.