Lot's of "if's, but's & maybe's"

Of course if the situation is unusual or extreme then matters can get "interesting" but general 3rd party liability for a random accident is what shooters need to have if they shoot on land they don't own,
& it's going to be all they need 9/10, very few people will need to sue anyone or end up in court over an insurance claim, indeed hopefully very few shooters will ever need to use any part of their insurance,
but having it in place is far better than needing it when you don't have any.