I don't know how anyone is expected to be able to work on these cars.
Normally when someone here buys business insurance, you buy it as a package. I don't know of any company offering it with more then $1million in liability.
That was more then a million dollar loss. I don't think I'd even sit in it.
Plus the rate should be around 2% of the replacement value. I couldn't even afford to insure it at $30,000, a year.