Stop to consider all the potential hazards in a lube bay or in a work stall to the unwary customer. Things to duck under, slippery stuff to step in, hot exhaust components, a lube pit to fall into, sharp objects, pneumatic tools, etc, etc. And who the heck really works near their optimum when some boob is asking questions? Do you want to be another DISTRACTION which could easily lead to forgetting to tighten a plug or put in oil or some other oversight? So the insurance requirements come about legitimately. BUT.... how do you assure peace of mind that the exotic oil you brought was actually used in your car? ;-)
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20 years ago