All the regulation and rules are set by the insurance companys, they want no possible chance of paying for any personal injury, hence the over kill on requirments. Just pay the premium. They spread the fear of imposing danger so its the right thing to do with every body jumping on the band wagon, if you question them on being to much, oh you the bad guy. So much safty crap in every industry in the last tweenty years its over-whelming. Before long we will need lawsuit insurance. Sadly its here to stay they own the house.