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More and more jobs I get now insist on seeing my public liability insurance. It's not mandatory but I'd lose half my jobs if I didn't have it. I would also say that a lot of them are now asking that I have £5million cover as well. At first I thought it was ridiculous and over the top but I think...
Phew! Thought I might have been paying for something I don't need but it seems my broker was right. I suppose regardless of legal or not, everyone should cover all their liability angles in this day and age.