In article .com,
"Robert M. Gary" wrote:
People on the ground are not subject to the sublimit, just passengers.
People on the ground exercise your liability limit (usually $1
million).

People on the ground are subject to the sub limit if the policy sub
limit states PER PERSON and not PER SEAT or PER PASSENGER.

Avemco used to have per seat/per passenger sub limits, but I'm not sure
if they still do. There may be other underwriters who do the same.



JKG