As an employee I am, and expect to be, held responsible for the quality of the software that I develop. Accountability, and taking responsibility for ones actions is a very large part of becoming a capable programmer.

However, if I am working for an organization that then sells that software, the company gets to disclaim all warranties and liabilities. Now, Caveat emptor is an old and valuable legal principle, but it does look like something of a double standard from where I'm sitting.

But then, I don't have a monopoly hold on my market.