Insurance don't use FE Time?

Why do insurance companies not consider Flight Engineer time in “Total Time” or even “Aeronautical Experience”. I would think FEs might know aircraft systems and operations a tad better and be less of a liability for underwriting. 

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Because when you're the FE you're not flying the plane? Or even at a seat with flight instruments and flight controls?


As Ron noted, flight engineer time is not actual hands-on flight time logged by the person. Insurance companies consider all dual time received from flight instructors, as well as all PIC time logged by the person looking to obtain insurance coverage, when considering insurability.