[TheThinkTank] Insurance issues

So I called American Specialty Insurance, the Insurance Provider for
the League of American Bicyclists, as recommended in the wiki and was
told that they only offer insurance for club rides, not for
organizations. We aren't interested in doing rides or races or
anything like that, we basically just need insurance for the shop. (I
think i've seen $1M in liability recommended on the list). Am I being
fed a line by Am Specialty? I emailed LAB directly and have not
received a reply in two weeks, nor do I see a phone number telling me
it wouldn't be very good insurance if I can't even get a hold of them.
Did I read all this wrong? What am I missing? If i'm not missing
anything where do you shops go to get the liability coverage? Thanks,
Andrew