Yes Vic, Worms indeed.
Seems we can look at getting a break on the insurance another way though. If we can agree that there realy is less & more hazardous Model Flying Activities ( turbine & rubber) it would reason the insurance would be different. But perhaps the same logic that balances the Turbine & Rubber risks under the 2.5mil (whatever, exact dont matter) coverage should look along those lines at Low Risk PFs for the same 2.5mil would be cheaper insurance than High Risk 2.5mil coverage or AverageRisk 2.5mil coverage.

If the new PF Tier gets cheaper insurance by having lower risk rather than lower coverage, then they could fly at standard fields with 2.5mil coverage like everyone else.

But I have no idea what the numbers would crunch out to be, and they already balance the risk having Turbine & Rubber risk levels to average out around SportFlyer. Sure the Rubber guys are getting the shaft and theTurbines are getting a deal, but it is the whole enchilada that buys insurance... well, everyone except PF Tier I guess. But I'm sure the Rubber guys wont mind the PFs getting cheaper insurance.