What level of public liability insurance do I need?

The likelihood of injuring a third party or their property depends on the activities you are involved in on a day-to-day basis.  The greater your turnover, the greater the likelihood of a claim occurring.  Public liability insurance is usually sold for a limit of £1,000,000 or £2,000,000 any one occurrence.  This is usually perfectly adequate to cover the liabilities companies are exposed to.  A limit of £5,000,000 is usually taken by companies that are working on government contracts as this the the limit local authorities, government and the public sector require.