Abel,
The $2.5 million came about because the property owners wanted more covereage to cover them in case of an accident.
This started when the owner of Elliot's field wanted an increase from $1 million to $2 million. Elliot contacted AMA and they said they couldn't provide it, so he found someone who could and started SFA. After a while, AMA found a way to provide the increased coverage.
When you think about it, $2.5 mil is not a lot of money anymore when talking about lawsuits.
BRG,
Jon