It is possible to have your 'client' operator have a notation on their insurance policy which "waives abbrogation rights".
This basically means the buck stops with them and protects you.
Not all operators would feel comfortable about this but when you consider that your 18-20% is for most of us no better or worse than the award. It simply gives you the same security you'd have as an employee. Me, I don't care how I get paid as long as I'm paid what I'm worth.......smart arse comments by PM only please.