Have to agree with Helinut.
If your intent is to build true P1 time then it's best for you NOT have the owner looking over your shoulder, and certainly not within reach of the controls where, at any unexpected moment, he/she can exclaim: "I'll just show you how I normally make this approach," or something similar, as they fumble for control. Been there...felt that. Not welcoming.
Insurance...it's a risk thing. Talk to the broker(s) who is assuming that risk. He'll say 'yes...at price X.' You'll say yes or no. Every case is different, so be sure to shop around.
Dan