That is the least of your concerns. Here is what happens:

You think you have $1 million liability insurance. Now that the FBO is a
named insured, you really only have $500,000 liability insurance, because in
the event of an accident the FBO is entitled to coverage under your policy.
Basically, you are paying for the FBO's liability insurance.

Now that sounds more in line with what I was thinking. It certainly
gives me second thoughts. The issue is this airport is only 5 minutes
from my house which would be nice. I don't understand why they would
not rely on their insurance company to sue me/my insurance if an issue
ever arose. My guess is they are saving lots of money on premiums by
doing this with every aircraft on the ramp.

- CK