LTE/Fenestron Stall vs Yaw Divergence, and insurance
LTE/Fenestron Stall is probably better described as Yaw Divergence - which puts it back squarely on the pedals, and the speed of the feet pushing them.
Minimum insurance requirements in the UK and EU are higher than the US for private heli operators, typically based on MTOW and type of operation. Over here, a Bell 206 would be carrying US$7m+ insurance for the pax and third party damage. I expect a fraction of that for a private Bell operator in NY/NJ.
Given the higher certainty of lawyers and legal action in the US from any aviation accident, it is interesting that the insurance available can be significantly less....