Just throwing this out for morning coffee. Not exactly sure why anyone needs liability for a Sonerai or any small, low-weight, amateur-built aircraft. I see it as akin to comfort food. There are two primary sources of claims: 1) Things you damage with your aircraft because you are at fault; and, 2) People you damage because you forgot to apply the rules on how to fly.
If you collide in the air or spin into a corn field, you are most likely without worries. You could run over a runway light or taxi into someone's plane or a hangar. Someone could walk into your prop. Most of us take safety measures to avoid those happenings. If you are unsafe, get insurance no matter the cost for the benefit of the others, not you.
All liability is based on the notion that the person alleged to be at fault was engaged in
unreasonable behavior, either operating, maintaining, or constructing the aircraft.
Bird is unsafe?:
Someone alleges that you built an aircraft that was unreasonably failure prone or you failed to reasonably maintain it. Very difficult claim. FAA won't grant an airworthiness if your aircraft fails to meet technical requirements. Hiring someone to do your annual condition inspection puts that person on the hook, not you regarding maintenance. Your documentation of reasonably safe practices is also a form of insurance. Keep the logs up to date.
That little "Experimental" plaque and disclaimer on your panel provides substantial liability protection regarding issues with the machine. That is called assumption of risk. People who take a seat do it at their own risk. Similar to riding a horse. Be sure to point it out.
You can easily avoid liability for any machine issues by creating and transferring aircraft ownership and registration to a LLC that owns and operates the LLC as a non-profit. You are the sole member and the aircraft is the sole asset. That would provide a bit of insulation for you as the pilot also, since you can blame the LLC for its negligence and it only has the aircraft as an asset. Use a business lawyer to create the LLC. If you are going to do it, have it done right. If the lawyer screws it up, you can sue the lawyer. If you screw it up, you are just screwed. The forms are pretty much fill in the blanks, so don't let a shyster take you for a ride. But recall the adage: If you can't afford to lose it, insure it.
You are unsafe:
If your unreasonable behavior injures or kills someone, the stakes are much higher. Some injured family could sue you (you are still alive) or your estate (you are dead) AND you or your estate has assets worth going after. If you don't have a lot of personal assets, very few lawyers like Lerner & Rowe are going to waste their time chasing you or your estate. Insurance polices are always the target unless there is a corporation like Cessna with substantial assets. Figure that it would take a minimum of $50,000 in expert fees to bring a homebuilt aircraft case to trial (for most lawyers who are clueless about aircraft, figure 10x that amount in costs). If your estate only has $100,000, what lawyer is going to wager $50,000 or $500,000 to make $50,000? Only an idiot lawyer. They do exist, but are few and far between.
Strategies:
If you keep your liquid assets (bank accounts) in joint tenancy they pass automatically to spouse upon your death. In that situation, there is very minimal spousal exposure since the spouse was not flying and usually not the builder. They did not engage in any wrongful behavior. Your stuff becomes their stuff when they pick you out of the corn. If you are only injured, then you still own your stuff. Jeff Bezos or a Walton would have worries, not so much us.
For most of us, our biggest asset is our residential property - our house. If you are married and your state allows (most do) you should take title as "tenants by the entireties and not as tenants in common". That is available for married people only. That creates an indivisible property estate and no-one can collect by trying to attach "your undivided half" of that property. It stays undivided and uncollectible until or if you divorce or one dies. Then, your one-half becomes a collectible judgment asset
if you are alive when judgment is entered against you. You can quit claim your property back to you and your spouse to create a tenancy by the entireties. Hire a RE lawyer to do that. Highly advised. There is essentially no target for recovery on a claim if you do not have an insurance policy or don't keep your mattress stuffed with money.
If you are single, either stay poor or get married and become impoverished.