A lot of good points being made in this thread. Regarding insurance, they do have a commercial non-owned insurance provider that offers $390 basic coverage for the year (AA reimburses $300 of that). Basically, if you hit a bird and crack your windscreen, you might be liable so that's what that insurance is for. If you lose your engine because of fuel exhaustion due to poor planning and you crash into someone's house and do damage, basic coverage has your back for $250k personal property. If you have a gear failure due to a maintenance issue, that's what the maintenance shop has insurance for. Say maintenance should have replaced your hydraulic lines and didn't, your gear doesn't come down, you gear up - you are not liable.
How much IMC do I log? So far I've logged about 4 hours. You could be in an area with crappier weather and log more or less. I haven't done too many relocation flights so there's been no need for me to. Technically you can depart 0 & 0, but we all know that's not the smartest thing to do. I've never been pressured to fly when I didn't feel safe though. In the interview, they ask you if you feel comfortable flying an approach to minimums. If people don't want to take off because of 1000' ceilings, then you lied about your personal minimums or abilities. If there's embedded storms, that's another thing and I would just say no.
You work a project until the work is done or something else pops up with a higher priority. Could be a few weeks to a few months. You have a window of time to fill for each project. You must account for all that time accordingly. You really don't have all the freedom they make it out to seem. If you just feel like not working, you better have a good excuse. No one is out there watching you (for the most part), but you have to take responsibility for what you do.
As for the per diem, I've been with people I enjoy enough (or can stand enough) to room with them so it hasn't been an issue for me to not spend the per diem. I've probably saved somewhere around $5000 just in per diem in a few months just because I was either home, had friends in a city with an extra room, or roomed up with another pilot or two in a suite large enough, getting rooms with a kitchen so we don't eat out every meal, etc. I realize I have to pay taxes on that but that's not even the pilot pay.
How much IMC do I log? So far I've logged about 4 hours. You could be in an area with crappier weather and log more or less. I haven't done too many relocation flights so there's been no need for me to. Technically you can depart 0 & 0, but we all know that's not the smartest thing to do. I've never been pressured to fly when I didn't feel safe though. In the interview, they ask you if you feel comfortable flying an approach to minimums. If people don't want to take off because of 1000' ceilings, then you lied about your personal minimums or abilities. If there's embedded storms, that's another thing and I would just say no.
You work a project until the work is done or something else pops up with a higher priority. Could be a few weeks to a few months. You have a window of time to fill for each project. You must account for all that time accordingly. You really don't have all the freedom they make it out to seem. If you just feel like not working, you better have a good excuse. No one is out there watching you (for the most part), but you have to take responsibility for what you do.
As for the per diem, I've been with people I enjoy enough (or can stand enough) to room with them so it hasn't been an issue for me to not spend the per diem. I've probably saved somewhere around $5000 just in per diem in a few months just because I was either home, had friends in a city with an extra room, or roomed up with another pilot or two in a suite large enough, getting rooms with a kitchen so we don't eat out every meal, etc. I realize I have to pay taxes on that but that's not even the pilot pay.