Million-Dollar Liability Insurance Policy Cost: $21

Interesting Page One story in the Record a few days ago by my pal John Sullivan told of how a Reverend Somebody-or-Other (never said what church) had finally won her 6-year-old suit against a village that had prevented her from holding a peace rally on village property, by “requiring her to buy a million-dollar liability insurance policy,” while various war-monger groups had held rallies there in the past.
i haven’t had a chance to mention this to John yet, but i personally have had to get “million-dollar liability insurance policies” at least twice, including one recently, when i was moderating a group here in Newburgh that met at the library. The library is technically part of the school district here, and the district administration, comprising several of the dumbest and most overpaid humans you’ll ever meet, at one point decided to require me to buy such a policy, even though several of these meetings had already been held in the library over the course of the year. i think it was because they’d heard that some of our speakers discussed how dumb and overpaid our school-district administrators are. Anyway, i ended up buying a “million-dollar policy,” and guess what? Any insurance company that holds your homeowners policy (or the policy of any other organizer or officer of the group or event) will give you a one-year rider adding a million-dollar liability policy to your homeowners insurance, for a fee of — in my case — $21. That’s “twenty-one,” as in the low two-figures. That was with Liberty Mutual. Your own insurance company might charge you less.
I also had to get a “million-dollar liability insurance policy” when i worked for the Lung Association and we were putting on a golf tournament; that was, oh, 30 years ago or so, but i recall that it, too, cost a surprisingly miniscule amount of money — like, $10 for the one-time event. (Hole-in-one insurance cost much more.)
The thing is, such a policy protects you in case someone at your meeting or event has a heart attack (not terribly unlikely, when your group is talking about the enormous salaries of administrators in the Newburgh Enlarged Central School District), or if your fundraising-event participants fall off their golf-cart in a drunken stupor (also not out of the question).
Anyway, in John’s story, he quotes the Rev as saying something like, “They wanted me to spend a million dollars for a peace rally” and, because of my own experience, it just made me wonder what would have happened if she had simply called an insurance company to find out how much that “million-dollar policy” actually costs.