Insurances: What is the "normal" level??

[doodab]

I've only ever had one agency ask me to be insured, I ignored their request and it went away. I may live to regret it but for now

Fair enough. Most of the ones I've dealt with have demanded it. I think their main concern is the professional indemnity insurance though.

[BolshieBastard]

There is no legal requirement to have Employers Liability insurance if your co only employs yourself.

If you have other employees in the co ie another contrator, then, legally you must have EL. Note, having your wife as co sec doesnt count.

Having the other insurances may be argued as an indication of not being the clients employee for IR35 but Im not certain how strong this argument would be (probably non existent if anything seeing as those leeches at HMRC say its working practices that count unless these show you outside IR35 then they try and argue its what's in the contract!)