Thank you. Thats all I was asking was for some to say exactly what was needed. So just to clarify, public liability and efficacy and thats it? Unless like my window cleaner who has insurance to cover himself for sickness and hospitalisation etc etc.

Yep .... anything else is not required by law or regulations.

Your insurance will cost you from 1K to 1.5K per year, well ours cost that anyway.

Yep .... anything else is not required by law or regulations.

But highly advisable to have. Almost foolish not to have it.

But highly advisable to have. Almost foolish not to have it.

Don't know about that. I don't have illness or accident insurance and I never have had ...... cos I've never seen one that was IMO good value for money.

Don't know about that. I don't have illness or accident insurance and I never have had ...... cos I've never seen one that was IMO good value for money.

Was referring to the cover usually associated with the industry.

Was referring to the cover usually associated with the industry.

Ah, right. I misunderstood.

Was referring to the cover usually associated with the industry.

What cover is this?