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Another reality is this: Most sources say a wrap and can reach the end of its lifespan in as little as 3 years (I imagine that's if tied down in the sun and landed on dirt runways where gravel chips or sand hit it, etc)... typical claim seems to be about 7 years life, and 10 years seems to be...

A while ago on our aircraft liability policy we had the owner of the hanger we were sharing added as "additional insured" as well as the FBO. It cost us nothing. But I was never clear exactly or even approximately what that protected them or me from by having that. Any idea? Also I noticed...