hi, be very careful about what insurances you get , i am in the same boat and i was looking for public liabilty, when i asked if the insurance covered srhinkage ect ect , a couple told me that it did, and most said that it didnt.
on pushing the matter further the companies which told me that this was included , were wrong. you need sepearate insurance for this type of cover.
i have had a couple of replys to this if you search the threads.
i was qouted £77 for public /L fro axa insurance.
hope this helps, jim!!