Just for the sake of discussion, what if a P1 or P2 launched from a renegade launch site on the Marshall ridge and landed outside of the Andy Jackson LZ, has the pilot acted in a way that would exclude coverage for any damage he did?  The pilot did not launch from a rated launch site so he didn’t launch from a launch for which he wasn’t rated nor did he land in a landing zone that requires a specific rating?  Many sites are not rated at all so do any of the exclusions apply to pilots of any rating launching at unrated sites.  This all, of course, assumes that they launch into conditions that are consistent with their ratings, such as light winds, straight in at launch, non-gusty, etc.  This all can get really complicated for self-regulated enforcement.  Damned insurance companies.