There has been a change in basic business practices throughout the aviation industry when considering insuring one's activities against loss. In fact, this new business phenomenon is surfacing in all industries. We are talking, of course, about refusing responsibility for your own actions if you can pass that responsibility on to someone else. It is not for me to judge if this is good or bad, moral or immoral. I only want to call your attention to what is thought of as good business.
This is a companion discussion topic for the original entry at https://www.avweb.com/ownership/risk-management-101