If I have a charter helicopter company similar to that of Island Express Helicopters (LLC) that flew Kobe Bryant and I want to protect my company in the event that a fatal crash happens within your company.

Choose at least one type of insurance coverage you think the company will need to protect it during a potential crash like this. Briefly define the types of insurance you choose and explain the ways that you can demonstrate to the insurance company that your company is not high-risk and should therefore have a lower premium.