because insurance companies are a$$holes, a lot of float companies are looking for 500-700 hours on floats.
If you honestly believe that insurers' requirements are unreasonable, why not investigate forming your own insurance company? If you're correct, there will be lots of premium income flowing your way, and you could make a forture.
Of course, if you're wrong then you will lose your shirt on claims; but doubtless you have the courage of your convictions ...