Well...one thing people seem to ignore is that at least half of the insurance claims that go to AMA's actual insurance company(as opposed to under $250k claims, that AMA self insures) have nothing to do with modelleing, but are slip and fall accidents, things relating to site ownership.
Some kid falls off a log at an AMA field and gets a piece of rebar though his eye, AMA's insurance pays out over a million dollars.
THAT is the more common case, someone getting hit by a model is much more rare.

So...how does THAT affect everybody's calculations?
So much for zero risk indoor flyers, that's a myth...
I would not let somebody onto my land, or into my facility, with only $250k liability. Not going to happen. If someone actually got hurt, $250k would cover the legal fees, even...