Its also a lot easier to renew a policy that start a new one. If you
already have a tailwheel and have been accident free you have a much
better change than someone trying to add a TW to their FBO.

One of the Houston operations I am thinking of is not accident free.
They have a fleet of a few Citabrias and Decathlons, and groundloop one
every few years. Insurance companies understand that groundloops are
an inevitable part of tailwheel training, and will accept them - within
reason. Student solo is possible in the Citabrias at this operation.

At my home field, we had an operation with one Citabria that didn't fly
very much. In the four years they had it, they had two wing strikes
and five prop strikes. Unsurprisingly, they can't get insured for
student solo.

Michael