In article ,
Cub Driver wrote:

The FBO's policy insures the FBO, not you. You need a million dollars'
liability, and you should also have hull insurance against damage
caused to the rental plane by you. The FBO's insurer will come after
you, and not just for the deductible.

That's what I've heard, and that's why I carried hull insurance on my
non-owned policy. BUT, the guy who owns my home airport and a dozen or
more planes said that he's never seen the insurance company go after the
renter. Most recently someone flipped one of his 172s after losing
control on the runway in a crosswind. Insurance covered the accident,
the renter paid the deductable, and there was no subrogation.
Unfortunately the owner has gotten the "we may change or cancel your
coverage in 90 days" warning letter.

--
Ben Jackson

http://www.ben.com/