No way the premiums would be that high...
I got this from an article in 2001 about the Bucs losing their liability insurance after Sept 11th.
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"The sports authority paid $266,167 in premiums this year for property, liability and auto insurance at Raymond James and three area golf courses it manages, up 30 percent from the 2000-2001 season."
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They serve beer and also have all the other things listed insured. Their stadium also seats 65000. Also in the article they said that they should expect a 30 percent increase in premuims which would bring it to about 346000. Lets assume incorrectly that this only covers the stadium with the 65000 people in it. That is $5.32 per person per year. ONE BEER per person per year, which we know they sell more than that easily in a years time. So our 35000 seat stadium should expect a yearly premium of about 185,000. Per year. Probably less IMHO, because we play less home games.