Horizon insurance and their legal team will be applying due diligence to avoid payouts. Horizon could go out if business. And frankly, giving an obviously known suicidal employee virtually unlimited access to aircraft might constitute gross negligence. So somebody owes. And litigation from every insurance agency involved (ex: property owners) including Horizons insurer is forthcoming. Guaranteed.
Payouts to whom? The only damage other than to their own plane is to land on what appears to be a largely empty, undeveloped island. I am a plaintiff’s lawyer, and I am not seeing a lot of claims here.