Even if you get the insurance problem sorted for low hour pilots, the bigger difficulty to overcome are contract minimum hour requirements set by the customers who charter helicopters. Quite often these minimums are in the order of 2000+ hours PIC, even more. So for the employers who are prepared to take on a low hour pilot, assuming that the insurance underwriters are prepared to accept the additional risk, there is the operational and economic difficulty of having pilots on the payroll who aren't acceptable to the customers. Upsetting clients is not a good way of doing business!!