Cheap premiums, massive stipulations and no name insurance carrier spells bad news to me.

You know if anything happens, they'll try to figure out a way to say you violated some part of the contract, whether you did or didn't. And with a million stipulations, chances are, they'll find something. Shopping mall is probably defined in small type as any place of business outside a residental area...for example. They'll probably have something hidden in the small type that says void if motor is running. I'm joking, but actually worse has happened.

Personally, I'd stick with a major A+ or higher rated insurance carrier that is willing to insure something specialized like that and pay the higher premiums if you have too.

Or at least check out the no name insurance company you might be looking at, such as the BBB, etc....

Just my opinion.