Many policies I have seen say 'QFI' in the context of giving instruction or ferrying, some say any pilot with the permission of the insured, some are named individuals only. Most also allow ground handling by qualified mechanics associated with maintenance.
As always, you need to read the applicable insurance policy. In the general case of the hours building PPL flying a not for hire aircraft, not paying for flight time and not being paid to fly - this would be legal from the aerial work perspective but probably not covered by the insurance company.