I have yet to run into anyone who is scared for their safety with the drone in the air. Usually people are more concerned with privacy in my experience. Now I'm usually out there in a hardhat vest, marked vehicle etc so I think people put me in a different category of operator automatically. Say compared to some dude in shorts and flip flops flying a drone around. I have even had people approach me and say as much.R. Perry: with all due respect, the hardhats and theoretical terminal velocity are not the important things. Hell, you don't have to hurt anyone to get sued, you don't even want to scare anyone.
Insurance will only protect you if you can document your experience, your records, and your pre-existing contingency plan if any of a number of things go awry - motor or propeller fail, fly-away, controller disconnect, wind, etc.
And please don't risk posting here again (or anywhere else) that a risk is acceptable just because somebody has a hardhat. I know you aren't advocating being reckless - but that's what an attorney will allege.
This technology isn't even close to settling down legally. That means pros and hobbyists should follow the rules and err on the side of caution. Here's to safe flying, and have fun (when you can!)!
Wearing a high visibility vest is your friend in many cases.
Now granted too I'm usually 200ft AGL to 400ft AGL. If my drone was really low and close I am sure that would change the equation dramatically.