u/Ornery_Ads

I'm not talking in the practical sense, but rather in the strictly legal sense. I don't think an ultralight (or a sUAS) operator/pilot can legally communicate with an airband transceiver without both licensing their radio and being licensed to use the radio.

How I came to this is 47 CFR 87 requires all airband stations (radios) to be licensed and those using them to also be licensed, but makes a specific exemption for domestic use (not international) of the radios when the radio is onboard an aircraft.

Ultralights are not aircraft.
The FAA has said time and time again that ultralights are not aircraft; they are "ultralight vehicles."
If there's a crash or incident involving an ultralight (and not another aircraft), beyond an inspection under 103.3 to verify the ultralight was in fact an ultralight, the FAA says the vehicle was not under their authority.

sUAS have a different problem. While the FAA and courts have taken the position that those are aircraft, unless the airband transceiver is actually onboard the sUAS, the licensing exemption would not apply. You could, in theory, mount the transceiver to the sUAS and have a consumer grade radio link relay your communications through it, but that seems like a ridiculous workaround.
Thinking about it even more, if you had an extra sUAS on the ground, I think you could technically tie it to your transceiver and be legal to use it... even the ultralight operator could carry one

I know I'm snitching here, but I fly an ultralight, and carry/use a handheld airband transceiver. Setting aside the technicalities of the law, is anyone with authority likely to ever say/do something about it?
What if an sUAS pilot were to use one?

I have a small trucking operation that I insured through Progressive on my own. No agent was able to beat the price Progressive offered me directly when I started, but I'm now coming up to my third renewal which I've been told is when more insurance carriers are willing to write it, so there's a better chance for savings.

Wiithout going too in depth, my operation is mostly split between dryvan general freight (commercial sites) and bulk water tanker (residential deliveries). Operating radius is <200 miles, all daycabs, never had a claim, a loss, a citation, etc. I have $1 million auto liability, $100k cargo, $60k trailer interchange, $60k non-owned trailer, $1/$2 million general liability including $100k premises rented. Based in Connecticut.

Progressive is at ~$12k/truck/year.

Based on this information, what would you estimate other insurance carriers would charge to write this policy?
Also, how much would you expect the premium to decrease if I were to have a $10k or $25k self insured retention or liability deductible?

Also, what would be needed on my end to get a self insured retention? Would it be a deposit with the insurance carrier? A lien on assets? Just a promise to pay?

I already have an agent working on getting actual quotes for me, but I'm hoping someone can give me information based on their experiences