You mean you get bread and water?
I am in close contact with some underwriters and am developing something that may help (PM me for details), but I find the problem is more (particularly in Canada) low-grade aviation "consultants" who are advising aviation "buyers", who might have loads of fixed wing/military experience but very little helicopter.
One guy even advised a company that pilots need 300 hours "in the province", or 2000 hours to fly people from a normal airfield half an hour North to an oil lease that was easily big enough for a 100-hour pilot to get into - give me a break!
Many companies there have insurance that covers 100-hour pilots anyway
Phil