I'd like you to explain how this works with film agencies, like FilmLA, who require the insurance paperwork upfront prior to permit application and approval, i.e. ACORD 25 forms, and naming the location as being the insured both. Try to use it with a federal agency, e.g. National Park or National Forest, and apply for a commercial film permit with them where you submit all the paperwork, insurance ACORD 25 forms, and their assigned insurance liability amounts to those agencies to even get a permit moving that might take weeks or months as they review it.
I don't think they'll go for an app saying you just paid $10 for an hour for a $1M policy without them being named insured or absent of the ACORD 25 forms. We need to see you actually use it and apply for a legal shoot permit with a federal or a city film commissioner's office. I doubt if their field monitor assigned to a shoot would even care to sort it out on location at the last minute as the approval is higher up the chain for them to even be on set.