Update First quote after many denials received. $15,000 per year. No BS. This company insures fire fighters and consultants. If I was a federal employee or contractor actually lighting fires with a drip torch I could get it for $300 per year. Computers scare these people more than flames! If you say "simulation" or "fire modeling" to these groups they freak out. I am actively pursuing a liability waiver. Otherwise rates are going to have to be raised significantly.