You need to talk to the FBO and do a risk analysis of how much risk you
want to take vs. how much you are willing to pay for insurance. You
can't deligate all risks in life to insurance co's, you just need to
decide how much risk you are willing to take vs. how much you are
willing to pay to deligate. If the FBO is a business their insurance
may or may not cover you, the renter, for liability (in my experience
most policies do). If the FBO is a club it almost certainly will cover
you for liability. There are a lot of trolls in this news group that
believe you should continue to buy insurance until you run out of
money. Please don't listen to them and do your own risk analysis.
-Robert