We have an open pilot policy with our insurance. Because of our training program and monitoring, low time pilots do not have to be "named" pilots on our policy.
Previously it required 200 hrs power, 100hrs tailwheel and 25 hrs Pawnee to qualify on the open policy. Try to find pilots with previous Pawnee time, not many around, so all new pilots were "named" until they for 100hrs tailwheel and 25 hrs Pawnee. Now we don't have to do that.

You have to run a club like a business. I liked your comments about airline mgmt, I'm not one, but AF trained.
BillT