Regular refresher training, religious adherence to safe practices, quality maintenance, and making good go/no-go decisions.
Or putting all your assets in your spouse's name. 'Course, there are some downsides to that one…
:o) I am with you on all those, and I considered the last one but it seemed a little drastic lol
In that 23 years that I've owned my 1986 Maule MX-7-180 I've had insurance coverage from AVEMCO, AOPA and AIG. Before that I had renters policies. All of them had at least $1M of liability coverage, sometimes more when I was doing commercial air tours in my airplane. Your best defense against lawsuits claiming negligence is regular currency training, making sure that you and your airplane meet all FAA currency requirements, providing a safety briefing to your passengers before each flight and knowing your limitations. FBOs that rent aircraft typically have their own insurance policies to protect them from liability and aircraft damage but then their insurance company can come after you as the pilot (“subrogation”). Renters insurance protects you. I wouldn't fly a rental aircraft without it.
Of i am a named pilot on a friend’s airplane that I regularly fly, do i need tenters insurance
What about in a Community Property State - don't think putting assets in spouse's name would change anything.