Yodlee terms and conditions: $25,000,000 coverage?

Hello!

I was about to create a Yodlee account. While reading their terms and conditions, I was taken aback by the insurance requirements.

They are asking for a professional liability insurance and a cyber insurance, for a limit of usd25,000,000. I looked for several quotes online and the max I have found at all is $10,000,000 (costing around usd1900/year).

Is anybody using an insurance for their business? If so, how much is your liability?

Also, I am not even incorporated yet, do you have any advice on when to get one? I am bit at a loss here. I understand the needs, but I had never heard of web entrepreneurs getting insurances before, so I don't know what to do.