Depends what cover you want all public liability covers the public as in if they trip up over hose or bucket etc or the ladder drops on them , make sure it covers for damage to the property your working on, it sounds like it obviously should but it doesnt like if you break a window which if that happened your probs better giving the customer Their £50 excess and let them claim off their home insurance if they have it ! If you work with ladders and the ladder blows over and drops on a car that could be costly so make sure your covered if you have staff you can add on employees liability if needed for extra cost, I went with gladiator insurance who use A X A don't go with the cheapest mate get the cover your happy with because if you ever need to claim you want to make sure your covered for what your claiming for we all know if insurance can get out of paying they will! Ring around a few brokers think I payed £306 which covers two employees I think it was around £230 for just me , good luck