Most small operations know the total for the year and nothing about which work produced it. The difference between those two facts is usually an entire category of job.
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
The four year degree is treated as the safe choice and the thing to do while undecided. It is a large commitment and it deserves to be chosen rather than defaulted into.