Seems in the right ballpark for the site owner's liability insurance. Don't see a need for individual coverage to be that high, or even essential to provide at all. It is coverage for the site owner that is needed to obtain flying sites. That is the reason AMA's insurance program got started. People that felt the need for individual insurance coverage decided for themselves what to buy, how much to buy, and where to buy it. With exceptions like state mandated minimal coverage for drivers, that's how it still works for the small part of the world that functions outside the sanction of AMA.

Abel