More time posting than coding
A previous client insisted all contractors have public liability insurance. The basis was the client was renting a shared office with other companies with shared use of communal facilities. The HR manager told me staff are covered under the company insurance, however contractors are not. So if someone from a shared office had an accident due to some reason of my fault, then at least i am covered, was his argument.
Seemed a step too far IMHO as how far do you go with this.
But you can get cheap PL from places like directline, although i opted for a more comprehensive policy from kpsol (kingsbridge) - but only after i haggled for a discount (being an ex-Brookson customer).