Trying to find paying work from the islanders is probably a losing battle, insurance or no insurance, because the islanders are a big bunch of do-it-yourselfers whose summer hobby is doing repairs and maintenance like painting, masonry repair, dock repair, water pump repair, landscaping, tree work, etc. Basically, if you are stuck out on an island and the old cottage needs some work, and you are there, then who you gonna call? Islanders just do it all themself and generally can con a brother-in-law or close relation for repair labor while they are visiting and shy away from calling in any outside paid help.
"Hey there brother-in-law, welcome to this beautiful island, and did I mention that I just picked up a brand new paint brush
!"