Locals with liability insurance

[knight_shadow]

They were forced to get their own. It's been several years since I've spoken to anyone in one of the locals, but IIRC, they got insurance similar to the way a mom-and-pop company would -- didn't have all the bells and whistles, but was enough to meet university requirements.

In looking at our Greek website, it looks like most of the locals are either dormant or in expansion stages, so insurance costs may be spread out now.