AS I stated in another thread - I carry 2 million dollars in liability insurance. More and more country clubs and synagogs are requirng it, and even in the retirement homes - there are lots of "Hold Harmless" aggreements that need to be signed to release the house from blame in the event of injury. I've never filed a claim, but for $175 per year, it gets me into places that I would not be able to play without it.