I think you may be better renegotiating the insurance policy.
Inner panels are usually accoustic and unstressed, you're probably okay there.
If floor tracks and connections fail however, with a heavy load, you're at risk of a major CG shift, causing a loss of control over the aircraft. If it's a passenger load, you're in danger of injury to individual passengers.
If a rib fails, something structural will go with it.
Seats are very critical, since although not highly loaded in normal use, they are crashworthy components which must withstand particular high loads, then fail in a particular controlled manner.
On the whole, I think that you need to keep your insurance premiums down by demonstrating a very high level of competence, rather than exclusions in these sort of areas - which at present read to me like a list of excuses to avoid ever paying out.
G
Last edited by Genghis the Engineer; 17th November 2004 at 07:24.