Wouldn't the FBO/Club have liability on the airplane?

Maybe. The renter doesn't typically have access to that policy and can't be
sure it's in force. Also, it might not cover pilot-induced accidents (but only
maintanance-induced ones. I don't know, and unless the renter calls the broker
each flight, the renter doesn't know either. The FBO is protecting themselves,
not the renter or the victims.

Jose

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