Reality is insurance is not writing aviation policies. I have been technically unemployed for the last year because my boss turned 70 and they will not write a commercial operations policy. 30,000 hours and no accidents. November 2019 the bill for two piston helicopters went from $30k to 70. It is working insurance. Customers said our flying rates were too high and we couldn’t stay in business at a loss, so we closed. I think our customers thought we were joking, but they probably wish they took us up on it now. If we wanted to start back, insurance is now unavailable. Cant get liability for the leftover helicopter we can’t sell just to fly it around for fun. Not sellable at the rate insurance for someone who can get a policy; something like 7k liability. A friend bought a helicopter like ours and ferried it to Alaska, for the trip he got insurance that was prorated because the minute it crossed into Alaska he canceled it. It was 17k he had to put up for a two week trip. Because we are friends with the airport management, they are not pressuring us on the lease requiring insurance right now. If you have retract gear plane and over 70, no insurance for you. That Mooney or Bonanza you have had for 20 years, can’t be insured. Old man, go get a Cub. We have gotten use to no risk expensive toys and insurance is now saying we don’t want to play. A bigger problem is society has gotten use to insurance, but if laws are written to have to have it, and I’m not saying that’s good or bad, but if you can’t get it, that activity is gone. It’s the only way to explain it.