First let me congratulate you on your new accent. Charming!

The issue of insurance has been troublesome for me for a long time. Lawsuits that are called shotgun are amazing they get as far in court as they do. Years ago I had to get a policy with 3million L. and since my insurance company only had 2,4,6 million etc. policies, I had to go from 1 million coverage to 4 million!
That was to cover me for doing my not for profit job. That means I have to pay to shoot for free!

As far as the shows are concerned, they are looking everywhere to get money and for some unknown reason the photographers look really wealthy!
I have fought with my own dog club to have them understand, but you cannot change the way of the many. Only a few get it and it will continue to be a battle.

This new policy seems to be another unfair and difficult policy that will lead to very unhappy clients. Try to tell them that the show is at fault for you having to charge more!