"Chris" wrote in message
om...
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.

If they got every aircraft on the ramp to do this then they would be
completely insured without paying a dime. They also do not have any
responsibility. Their accidents count against your insurance record, not
theirs.