I had several insurances for the various jobs I do the main one being the drains and pressure washing and I paid over £300, the missus did some digging and we now are covered by just the one policy. The local broker charged us less than £100 and now covered us for drains, pressure washing, carpets, windows, gutter cleaning, extreme cleaning, sharps collection and others that I have forgotten. Its well worth having a good look round as the prices vary by a massive amount, she went right over the policy and there are no stupid exclusions, no height, but no absailing and I do have a heat exclusion