http://www.pprune.org/rotorheads/442...insurance.html
Why do we assume that the pilot would be held / found personally liable?
As has been said before on that thread linked:-
Any pilot flying an aircraft for public transport use is flying under approvals from an Operator, it would therefore be easier to pursue a claim against the Operator who issued that approval, for three reasons:
-they have a duty of care towards any passengers,
-they issued the Pilots approval, so he/she must obviously have been competent to hold said approval, and
-lastly they will have a bigger liability insurance pot which to can sue against.