the insurance is easy to get if you have any faa certification..... insurance sees this all in line with how the faa wants it cause they also insure government uav's, etc.
to put this in perspective, to currently go fly a uav test site or run up to alaska and fly for bp, you need a second class medical and a commercial faa certificate. private pilot is 40 hours and pass a vfr test, commercial is 1500 hours and IFR rating, full gammit of experience..... years vs months.
alot of reasons the faa wants certification and guess i see em. certainly not my idea,,,, one that stands out alot is "aviation english" probably isn't in alot of rc pilots brain matter..... if you need to contact them or are contacted by them, they want to make sure you can communicate. our application is very much like the uk and several other countries.