In article ,
Dave Butler wrote:

The lease arrangement was such that I was responsible for providing an
airworthy
aircraft, the club paid for insurance and provided scheduling, collection, and
screening of users, used it for instrument instruction.

The club paying for insurance is huge. Commercial insurance can easily
cost 3-4x the personal/business policy. That's also what makes it
impractical to let your airplane be used a "little" for instruction.
The insurance is so high you need a year's worth of solid revenues to
offset it.

--
Ben Jackson

http://www.ben.com/