I've got $1M for about $500, but I like Sparky's idea... I feel the same way.. just how much damage can I do?
I've always felt that insurance was an excuse for shoddy work... "screw it, I'm covered..."
and the Sparky who feels he really needs liabilty insurance should find another trade like being an insurance salesmen or something.
Sort of related: WV requires auto insurance, so having to spend lots of cash on mandetory insurance leaves a bad taste in my mouth. I put insurance in the same category as the lottery, the stock market, doctors and lawyers... there just out to get your money, period.