Once I earned my PPL and bought a plane, friends (and even people I'd only met once) began asking me to take them up. My personal rule is to be rather non committal and wait until they ask at least one more time. That seems to weed out the casual requests. So far I've only flown with a handful of non-family passengers, but I've become somewhat worried about risk. Our non-aviation insurance policies omit aviation and my aviation policy has a pitifully low amount for medical and liability. I've asked for higher coverage, but it was denied. Rather than declare a "no pax" rule, I'm thinking of having non-family passengers sign a liability waiver. I suspect that might frighten off everyone! Does anyone have experience or knowledge of this for risk management?