You guys are a little behind the times.

Of course insurance is the answer...the SHOOTER's insurance, not the plane owner.

The 8000 jet guy just sues you and your homeowners will have to pay, under the general liability type clause. If you do not have insurance you get a judgement.

I know of 2 cases just like this in LA, both very cut and dried, in one case insurance paid, in another a judgement getting paied at like 200 a month for the next million years.