John is absolutely correct, my insurance on the J3 is B&P only. On my Citabria I have B&P with the same dollar limits plus a rider that states; "Dual instruction, private pilot or better". This rider costs me an additional $400.00/year over and above the $750.00/year B&P premium. My total insurance cost with the rider is $1,150.00/year.
That rider allows me to instruct in the Citabria and give tailwheel checkouts, spin training, and unusual attitude recovery training which is all I want to do. It does not allow me to do primary instruction or allow students to solo or rent the plane.
The Citabria insurance is through the Austin, Tx branch of Falcon Insurance and is underwritten by London Aviation Underwriters. LAU is based in Seattle and does a lot of Alaska market so are very familiar with Tailwheel Aircraft.
As an aside, my agent, Heather Suta, spent a lot of time finding this underwriter who would be willing to write the above policy. Another agent in the same office did not work as hard and we had to request a change in our agent of record to finally get a person who would put the effort into doing the job right. All agents (even within the same agency) are not equal.