My biggest fear is getting attacked by one of the hawks around here. Had to put my Mavic Air into sport mode to get away from one chasing me the other day at the park. I could not outrun him and had to take Evasive Maneuvers like Sulu on Star Trek. As far ask getting struck by a drone, the Pro 2 is much heavier and I can see your concern. Boy getting hit by that would be a very bad day. I have some insurance through AMA but also have personal liability insurance as well.