For liability insurance, there's actually FAA regs on that (and the House just voted to extend the rest). Basically, the government requires commercial launch entities (U.S. launch companies launching from anywhere or foreign companies launching from the U.S., which there aren't any) to buy ALL available insurance on the market, which is in the high 9 figures. That insures 3rd party hazards, like some unlucky boat in the Atlantic or if there were extremely remote (10^10 or more) chances that all of the different layers of controls failed and a wayward rocket went into an inhabited area. Because the chances are so remote, the rates are quite low. Any damages above that 9-figure amount are paid, per international treaties, from the Treasury. That part of it is what the House just voted to extend.
For insurance of the payload and rocket itself, that's up to the contract between the launcher and the payload. These rates are actually fairly low (<12%) right now because there have no
The transfer orbit where the Falcon 9 dropped the satellite off was somewhere around 275km x 80500km. Orbit mechanics figured out that flying above GSO and having the spacecraft raise its perigee from there is actually more efficient than a straight Hohmann transfer to GSO altitude.
A little inside baseball.
From a test perspective, it's very easy to demonstrate empirically that two units from a handful of models of tablets play well with the avionics in very close proximity to them. It's much harder to demonstrate that a few hundred units of any number of models of electronic devices distributed throughout the cabin do not interfere with command and data circuits throughout the aircraft.
Hence the abundance of caution. If the FAA is able to approve personal electronic devices in the cabin, it will be analytically - not by demonstration. The rationale will not be 100% certain, but the cost-benefit will be justified - just like every time we get on a plane or in a car.
I believe it to be a reasonable question to ask whether the "total moron" was the FA or the high heel wearer? We've absolved individuals of responsibility in this society. If the FA did not instruct the wearer to remove the heels, who was the root cause? Some of us foresee the consequences of our actions; most do not....