Fred,  If you get the time, shoot me a note.  I would like to get a better understanding.  Sounds like you have had to deal with this. I keep running into cost prohibitive insurance policies.  I have become a new subscriber to this board in effort to get a better handlle on starting my first independent buisness rather than work for someone else.

Cheers... 

Did you contact DAN? They provide insurance to freelance divers at a reasonable cost. I'm insured with them too. Their services are good. 

I used to use; Gotta Risk better call “Fisk Insurance” New Orleans Louisiana.