I wasn't answering the OP's question. I was answering another question in line with the discussion from another member.

There is no legal solution for the OP unless he wants to file for a waiver from the FAA and follow the rest of their compliance. Then he's gotta break open his wallet and start removing for his private insurance company.

Do you actually think for a second that the FAA thinks that any provision against their policies and regulations could be considered "too small" for their standards???

If I'm wrong about all this Abel, why doesn't he just take it upon himself to go about it the way he thinks it should be. We wouldn't be having this discussion if he knew what he was doing could get him in trouble, not only financially if something went wrong, but also legally.