Most HFT and FT events allow you to shoot a void card so long as they are not fully subscribed.
Insurance is ALWAYS a good idea irrespective of what you do/shoot.
Dedicated cover is a good idea and there are plenty too choose from.
They vary in costs but if you are doing pest control, SACS allows you to charge a fee so long as it does not exceed £500 in a 12 month period. This should be fine for amateur shooters. Inadequate for professionals.
In a battle of wits I refuse to engage with an unarmed person.
To one shot one kill, you need to seek the S. Kill only comes from Skill