GA bias in "general" insurance?

Mxsmanic wrote in
:

kontiki writes:

There you go again.... attempting to apply logic to a particular
problem. The application of bonafide logic to real life is politically
incorrect.

Insurance companies make their money by doing calculations based on
fact. I don't think they are in the habit of setting risks and
restrictions based on taboos or superstitions.

Absolutely 100% INCORRECT.

I asked my friends the actuaries about this.

The most vocal and experienced of the group said that it is in the hands
of the underwriter as to what inclusions and exclusions are in the
contract. The underwriters are people that make decisions based on the
facts and statistics that they observe. But they are people, and many of
their decisions are based on their human emotions, beliefs and opinions.
Otherwise, all insurance contracts would read the same.

Actuaries pretty much just figure out things like how much they need to
charge and how they need to invest money to ensure that the company
continues to be profitable every year after the "expected" amount of
capital gains, payouts, and revenue.

Interestingly enough, he said that in his experience, it was more likely
to find insurance companies that would exclude a Commercial Pilot than a
Recreational Pilot. He believed that even Airline Pilots would be included
in the category of Commercial Pilot.

I told him that statistically speaking, it would seem that Airline Pilots
are probably safer than GA Commercial Pilots or Recreational Pilots, but I
told him not to tell any underwriters that he works with because rather
than relieve the burden on Airline Pilots, they would probably just make
it harder for Recreational Pilots too...

It was not clear which category Sim Pilots fall into.

If you have any conversations with experts in the insurance industry that
you would like to share to back up your statements, I would be most
interested in hearing about them.