It is indeed very simple; that is why one sets up a company, to limit liability in their business. Should such a problem arise or even a lawsuit come out of it, you close the company, and those suing you for such matters can look up in the directory for some compensation.
For this purpose, I would set up a company, for example, in the Seychelles as a front company and then conduct all settlements in a company behind it, for example, a UK LTD, as long as it is still easy and inexpensive to do so.