I would too I think, if I lived in the US. But the culture around law in Poland is pretty much opposite of the US. People just aren't lawsuit-happy, probably partially because the courts are inefficient and you can wait a long time for a verdict, and partially because the courts often don't award that much in those verdicts (and those absurd multi-million verdicts for trivial things that are a thing in the US would never happen here). Here, I've never heard of a software contractor even being sued by a client, let alone lose and have to pay anything - and I've been in the game for 20 years. First time I hear it does happen, I'll reconsider getting a better policy.

The requirement for the policy some clients have are only there because they're multinationals and it's a company-wide policy. Local clients never expect contractors to have a policy.