chfeudpail Unfortunately there are some considerable myths around regarding aviation insurance, underwriters do not concern themselves with the experience levels of co pilots in well known and established carriers, all the necessary experience and qualifications are taken care of in the company Ops Manual, this is aligned to the company's AOC, the legal document by which it can operate.
An underwriter will, for a new operator, with, say, something like an Aztec, Navajo or Beech KingAir get concerned, and insist on what is known as a 'Pilot Warranty', they may even do it for new arrivals in the commuter market but they do not get involved with established operators with high value fleets, they accept that there is sufficient regulation already in place via the company and the regulating authority who issued the AOC. Underwriters will reserve the right to make their own judgement calls on large, foreign operators with a bad loss record .