Weight has no significance. Ever seen a car swerve as a small HLG bounced off the windshield? Think about the possible ramifications of that.

Responsible flyers are already cognizant of potential risks no matter the weight of the model. That's why they ensure they have some insurance, whether it be MAAC or valid coverage from 'home oweners' - in that instance make sure you have confirmation in writing, don't rely on an agent's verbal assurance.

In this day and age when people will litigate if they even get startled by something ... to ignore insurance is burying your head in the sand