We have found that regarding electric kilns, insurance companies come in three categories:
1) Some insurance companies simply don't insure kilns. No matter what you tell them, they won't change their minds.
2) Other insurance companies need extra information--i.e., the kiln is UL Listed--before they will OK the kiln. If they need more information about safety, we will be glad to supply it.
3) Still other insurance companies have no problem with kilns and don't even care if you have one.
If an insurance company refuses to insure a kiln, find a company in category 2 or 3.
If the kiln is UL Listed, tell the insurance company. Give them a list of installation guidelines and tell them that you are in compliance.
A properly installed and operated electric kiln is very safe. Do not leave it unattended during operation, and disconnect the power when not in use. Keep flammable materials out of the firing room. If you fire the kiln in a garage, remove cans of paint and gasoline. Store them in a separate building such as a garden shed. If you follow these basic rules and the others listed in the manual, your kiln will be a source of joy rather than of worry.