If I'm a minor, and I'm doing small jobs (lets say, hanging Christmastime lights for a neighbor) and I want to protect myself from them suing my parents or me for any damages that may occur, or protect them from having to pay for any self injury that may occur to me wail I am working, is there a waiver or contract of some sort that can protect me and my client from both of those things without having to pay for insurance?
Much appreciated :)

