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It just isn't worth the risk
No matter how careful you are, and no matter how blameless you feel you are, if something bad happened (even if it was totally out of your control), it very likely will come down to how much $$ you have to defend yourself in a court of law.....and even then it will ultimately come down to what some judge or jury decides. And juries are humans.....good chance that some if not a lot of them are anti-gun, and after a huge sob story by a smart, persuasive attorney, you won't stand a chance of getting a fair verdict.
Trial attorneys make a very good living from things just like this. The smart way to protect yourself is to eliminate as much risk as you can, and loading for ANYBODY is only adding unnecessary risk with little or no reward.
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