The last time someone told me that they required a million dollar liability policy, I told them it was no problem--I'll get the insurance and just add the cost of the policy to their bill. They backed off and never said another word about it.

I did check into this shortly after the job, though, and the cost for a single day event was insanely high. MC is right in that it cost less for year-round coverage. In some instances you can purchase a rider to your Home Owner's policy, which is not nearly as expensive. Not all insurance companies will do this, but it's worth checking out.

Good Luck,

Gary