I agree that 1 million may be low but when I asked for 5 million at the request of a nation wide truck carrier, my insurance agent almost spit out his teeth. My insurance is with Erie & they interpreted the request as possible insurance fraud. I found out that the amount of insurance is tied to your gross receipts & I didn't qualify for 5 million.
As far as the rest of your post I agree 100%.
This is ONLY to be used to report flooding, spam, advertising and problematic (harassing, abusive or crude) posts.