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It seems to me that a Mutual Insurance Group might be the answer here.
  We do this for my business insurance and it has been less expensive
for everyone.  Risks can be limited by experience, engine type, past
record of safety, or any other reasonable consideration.  Then the
funds would be pooled and an umbrella policy could limit our exposure.
  Maybe USAIG?  This would cut out the middleman, promote group
safety, and unused funds could earn interest like an annuity.  If
someone out there knows about these things please advise.  This is a
"Risk Group" where the loss history is well documented and can be
analyzed for common problems and potential solutions.  Any Ideas?

Stu

____
Stuart Seffern
Debbie Loiselle
916 Dane Street
Madison, WI 53713

E-Mail- RTWM02A@Prodigy.com