Insurance for Contract Technical Writers?

["Pro TechWriter" <pro -dot- techwriter -at- gmail -dot- com>]

Please forgive me, I know this topic may have been discussed already, but I
can't seem to find it.  (I was laid off of my "employee" job the last week
of July. So, I am looking for, and finding, some 1099 contract work.)

One company I am thinking of working with sent me a contract for technical
writing services for what is essentially help desk policies and procedures
with these insurance requirements:

   - General liability: $1 million per occurrence for services and
   project
   - Professional liability: $1 million per occurrence
   - Comprehensive automobile liability: $1 million per occurrence

This seems, to say the least, excessive to me, because:

   - The documentation is for internal team process and procedures,
   nothing critical
   - My company is a sole proprietorship; no other employees are
   - I will not be delivering anything, moving things from one place to
   another, or having any other people from this job in my car.

This is for a huge corporation, but they use a recruiting company to handle
1099 contractors like me.

Any experience with these issues as an independent would be very much
appreciated.

TIA,
PT
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