That Darn Hat!

So far things are coming along quite well modeling wise, but the hat is starting to give me problems. I plan to take this into ZBrush for refinement, but I don't want to do that until I have the proper meshes made.

I am trying to add the red band, but the only way I can make a clean cut like that is with the insert edge loop. The problem, however, is that Maya won't let me use the tool on the hat.