carb,
Part of the problem stems from Sept. 11th. Since then, there are been huge hikes in insurance rates over those the year prior, in the 40% to 60% range, and higher time restrictions for renting aircraft.
I carry full insurance on all my aircraft along with initial hospitalization, (yes englishal, a shameless plug I know

), for anyone that rents an aircraft from me. The insurance companies have set the higher rental restrictions industry wide on these policies. The only way around it would be to drop the insurance on the fleet. I am not prepared to do that, so everyone has to live with the higher time restrictions on the Seminole and Arrow for flying to the Bahamas.
Happy Flying,
Richard