insurance
Have you thought of just handing the task to a broker?
I palmed the job off to a friendly broker and he found me a policy with some company (forget which) because my Royal Sun Alliance policy had an aviation (except commercial airlines) exclusion. Then two years later the R &SA dropped the exclusion provided I just documented my experience and my likely hours flying. I then dropped the original one and now just have the one policy. Wasn't that much of a problem.