Kanola..Correct in your assumtion. They have to carry insurance on their employees and also have to carry their own liability. Probably in the tune to 2 ml in coverage. I'm sure Treaty carries the same coverage. I think oil's numbers are a bit high. I oversee insurance for the company I work for with 25 plants in 10 states and his cost numbers are a bit high for any liability. Then again, I am not in the oil business.