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I've just been discussing with Ovi regarding N900 Apps, here are a few excerpts you may be interested in.

My emphasis in bold.

We will also need you to apply for premium publisher because regular publisher can only submit java, symbian, widget, flash application. For premium publisher application, you need to provide prove for the declaration page of General Liability Insurance of your company.
We’ve created two account types for media content distribution on Ovi Store:

Media Genre Account is intended for 1st party publishers who own their content and all its inherent rights for distribution, or have acquired exclusive license to distribute content. This category describes a publisher with genre, segment or niche content. Media Genre Accounts have a limit of 20 content items (paid and/or free) discoverable in Ovi Store at any given time.

Media Geo Account is intended for 3rd Party publishers who have geographic rights to content which may or may not be exclusive, and is more generic by nature, such as popular ringtones. Content in this type of account is limited by geographic region. The Ovi Store content team will select a limited number of Media Geo Accounts in each geographic region to ensure content discoverability.

The goal of creating these accounts is to enable us to provide optimum placement of your content in Ovi Store, while ensuring maximum relevance for consumers.

In addition to selecting the account type for your content, you must agree to adhere to the guidelines below in order to be considered for inclusion in the media content plan:

Your company has sufficient general liability insurance to cover a minimum of $1 M USD in claims.
You agree to pay all appropriate & relevant performing rights societies’ royalties as may be required by law or business custom from the sale of the content on Ovi Store.
You must agree to adhere to content amount limitations and/or geographic limitations.
Unfortunately, only the approved premium publisher can publish for N900 at this moment and the approval for premium publisher will take a long time based on the fact that the queue for application is quite huge now. We welcome you to apply for the normal publisher status once you have all the information we want to distribute applications other than N900.
So it turns out that even though I went out and spent $400 incorporating (iolite technologies corporation llc, hooray), I now need a million dollars of general liability insurance before I can even think about publishing for the N900.

This applies to all N900 app developers. I can't imagine that a million dollars of general liability insurance is cheap.

Not even joking. wtf.
 

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