Most professions where action/inaction can result in damages will have similar insurance. Some insurance firms even specialize in coverage for professionals.
If your profession has an association or similar group, they should be able to help you find those firms if they exist.
Seconding Zotero. I truly don’t know how I would be able to keep track of all the research I read through and reference. I especially love that I can highlight passages and attach notes to each entry right inside the desktop app.
The browser connector is also super handy for quickly adding papers to read-through at a later date.