Thanks John - no offence made, but I think it’s only right that owners are made aware of what the situation is, in order that they can decide whether they wish to be involved or not.
To try to box this up, although the arrangement will be made between yourself and the owner, any insurance cover would be between the photographer and the owner.
I think you (personally and not involving the photographer) are being very fair to cover any costs, and you have now openly coloured in the relevant details to allay any suspicion.
Please don’t give up hope that someone may come along to satisfy your requirements.
Kind regards,
Gareth.