The absolute safest thing to do, to shield your own personal assets, is register a LLC (limited liability company), get a separate bank account in the name of the LLC, transfer any assets and liabilities (donations you receive / bills you pay) to the LLC, and get insurance in the name of the LLC. This is obviously complete overkill for anyone who’s running a really small server, especially because the annual fees for LLC registration are likely to exceed whatever amount your users chip in, but if you’re running an open-registration server or you exceed 20-30k users, or you have a lot of personal assets, you should think hard about it and talk to a lawyer.
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