With many manufacturer programs 100 hr maintenance isn't that big of a deal, like Cessna. Each 100 hours constitutes a phase, four phases sub for the annual. If the aircraft goes out for hire, 100 hour inspections are required. I ran a couple of numbers such as "0" time student through AOPA insurance and their premiums are low compared to others. For instance hull and liability are under $1000 for a 152, or BE-77.

Most flight schools today do not allow instruction by others in their aircraft, so I don't think you can work around this. As far as the minimum standards for that particular airport, I don't quite follow?