After running a shop i can say you would need a HUGE shop to keep 40k worth or coral in it unless you had nothing but high end stuff. And as far as insuring livestock... aint gonna happen. even for vandalism. i checked with every major insurance company when i was starting and not a single one would cover livestock in ANY situation.
This suck for the shops involved, especially for OIB who got hit once, tried to build back up, and got hit again. We need to help these guys out if we can. it just isnt right.