The last time I was employed I got frustrated with this having deployed 5 applications to customers in a few months on my own, and simply negotiated a contracting role. We came up with a fixed price for each job, bugs included, and I tried to make as much per hour as possible. My hourly rate ended up being >250$/hr, and the application is still in production now 7 years after deploying.

The other comments are correct; if you aren't willing to take any risk, then you don't deserve the benefits. If you think you are good, put your money where your mouth is :)