What if Things Go Wrong with Our UAS (Drone)?

Our pilots were trained to analyze situations and make good judgements as to whether a mission is safe to fly or not. However, if there is a mid-flight problem, the PIC will immediately stop all flights and assess the situation. In the event that our UAS falls (yes it does) or accidentally strikes something / one we are required by law to report incidents causing $500 + property damage to the FAA within 10 days, or hospital visitation for injuries. This will then launch an FAA inquiry into the operating procedures and applications for judgment. This is A) not fun, and B) something that we never want to address. Safety is our number-one priority!