Originally Posted by N427EF
I flew phase 1 without liability insurance and everyone can get liability insurance but not hull insurance. (unless I am mistaken)
You are mistaken. I had no hull insurance for my first year (self-insured) but did not have any desire to self insure the liability. No carrier would provide liability coverage to me without some form of type specific experience (past experience or specified hours with a carrier approved pilot in my plane). They would issue me a policy, but it carried an exception for use by me as PIC until I me the requirements of the policy. My carrier did not require "dual instruction," as Bob mentioned, only x hours of time with a carrier approved pilot. I am sure this is typical and that is how Jesse is allowed to perform this support as a non-CDI. Seems some want dual, some want time and some want a checkout/signoff.
When my CFI, who was also a named pilot on my policy, was PIC my liability coverage was in force. Once I had accumulated the necessary hours, I could act as PIC and my liability coverage was in force. Prior to completing those hours, my policy was not in force if I was PIC.