Thank you FlyMD for the precious hints.
Anyway what I'm concerned about is the liability of a freelance pilot, working for a company (aoc holder) doing both private and commercial ops, in case of accident caused by (assumed) pilot negligence. I want to be sure to be covered against any claim for damage:
- to people and property on board and on the ground
- to the aircraft
I know that many insurance contracts allow the insurance company to recover the money they had to pay to the insured from a negligent third party (in this case the pilot). I would like to understand better this issue: I think that employed pilots don't face this problem, freelance do.