Been operating for about 15 years with no incidents , have farm public liability insurance to cover anything personnel injury wise ,discussed all the risks with our broker , providing there was no negligence and pilots understood they needed to be competent it was okay, l was more worried about damage to an aircraft and the insurance company reneging on a claim and if that turns out to be the case it’s hardly worth the insurance in the first place, l think the next move will be contacting them and seeing where we stand , thanks everyone for the advice, Greg