>>Can I Insert Text and Images as <DIV> layers?

 

You can create a <DIV> layer first and  insert the Text and Images to the above layer.

 

>>Also, I would like to be able to allow the administrator rights to insert a background image and the user right not to be able to change/delete the background image.  Is this possible?

 

It's possible.

 

For the non-admin users, you can set DisableItemList="DocumentPropertyPage"