I think you'll find the premium for 2 million isn't going to be much more than one for half a million. Insurance is all a matter of actuarial risk, and the risk of having to pay out, say, 100K is hugely more than having to pay out 2 million.

Let's see what we are really talking about here.

I'm sure it's not the full $58 that people are moaning about, as even the tightest person would concede it isn't going to be free. Maybe, say, $38 is a fair figure? If that's the case then we are really talking about $20 being the excess figure.

This must be about the most talked about $20 in the history of the leisure industry!

-David C.