Wow, Oregon must have some rough insurance rates (well, my car insurance is kinda high, never thought about it).
The range here has to have a 10 million dollars policy JUST FOR the range area. It runs them around 12,000 per year (don't know if the range is also set up for class III's if that has something to do about it) and then they had to ensure the employees and the store separetly at 1 million for liability and so much for each million in inventory. Was told that all together, insurance was running around 20,000 per year.
I guess if you got established really quickly, this isn't much of a problem but still, it seems like alot to me.
Wayne