My private, standard, insurance for my private car, with no intent to be used commercially is insured up to 10 million Euro (damage to persons). That is a very normal rate, I doubt you can even get a lower one.
Holy. Shit. No wonder driving is so expensive in Europe! Do you mind me asking what that policy costs you per year? I have $10,000 property, and $10,000 personal injury coverage (the least allowed by state law) in an effort to curb my insurance costs, and it sets me back about $400/yr. I would be paying several thousand dollars per year for coverage in the $100k range, I can't even imagine what it would cost to get into the millions.
Any program which runs right is obsolete.