I am also a Long Island boy. While this isn't "THE" city, Nassau County would sure look like city to someone from farm and ranch country.

As to the insurance an flying site. I agree with the comments above. Unless the landowner is looking for added insurance for the site, your AMA insurance will cover you. It will not cover him, so if he were liable for something he would have to take you to court to get anything out of your AMA insurance. Site insurance, which is what the clubs usually have, is what protects the property owner, if it is not you.

As stated earlier, find 4 guys and form a club if the land owner insists on insturance to protect him.