>> And buy legal costs insurance :/
Maybe. For some things like the risk of lawsuits and E&O there are types of insurance that can help. But usually it is just a cost of doing business.
One should note that the legal costs insurance is not to cover your studio's regular lawyer expenses. In that case it would be prohibitively expensive, it would be akin to using a cash-value life ensurance for savings -- some people still do that, but this usually does not make a lot of sense (there used to be a time when you could save capital returns tax doing that, which outbalanced the meager returns of the insurance, but nowadays you only feed the insurance company to no avail).
You also don't have a legal costs insurance to cover your studio's $250,000,000 lawsuit with a patent troll.
The reason to have a legal costs insurance is to mitigate the risk for you, as a private person. In other words, you can sleep at night without having to fear great evil.
I've had a legal cost insurance for 24 years, and it cost me around 300€ per year (which is tax-deductible, so it's really only 150€). All in all, for those 24 years, that's 7,200€, and the theory goes like if I'm lucky and never have to go to court, I'll have paid about 15,000 € during my lifetime for not having to worry.
As it happens, in reality, I've had 4 lawsuits during those 24 years (two were probate disputes which unluckily a legal costs insurance doesn't cover), but the other two were covered just fine. A "normal" no-joke lawsuit that average private people can reasonably get into costs anywhere from 2,000 to 6,000 € for your lawyer, and in case you lose about the same sum for court fees and compensations for the other side's expenses. If the judge orders a consultant (which they like to do, in order to give their decision a "legitimation"), add another 1,000 to 25,000 €, depending on what the lawsuit is about.
So, depending on your "luck", you may have to pay anywhere from 2,000 to 50,000 €. Or, who knows, more...
If you have this covered, you couldn't care less.