i'm with jfeld and outofthebox on this. jocks are subcontractors. their guild should be the one they go to regarding insurance.
also, just like any other job, some make more than others. some do better, some not so well. but everyones job is still their choice. obviously we'd all love to make more money than we do.....many stay at riding because they love it, it's what they want to do--and if you can make money doing something you love, than you've got a great job-at that point, it's not work anymore. if you're not a success, either try harder, or maybe move along and find something you can succeed at doing.
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