Just trying to get an idea for the norm out there. For contract pilots- do you carry your own liability insurance? Do you present clients with a hold harmless agreement or something along the lines of if worst case scenario occurs you/your family can not be held personally liable? I haven't done much contract work and am wondering if it is worth dabbling in if I can be held personally liable for the dreaded "pilot error" verdict. If the aircraft has liability insurance and I fit the bill for the pilot requirements on the policy, is this sufficient?