RH insurance premiums

[Andy Bennett]

Andrew: you say 'I would expect my insurance to cover me for anything I am liable for, and expect the organisers to have insurance for anything they are liable for.'.
The reality is that insurance is never that clean and tidy. You can have an accident at an event that is your fault but the insurance liability is covered by others. And in many cases that insurance will be offset by further insurance against that insurance being claimed against. The ultimate liability can be a long way from any claim. That's just life.

I think the last 2 posts confirm what I believed to be the case and was was trying to explain to you in my earlier post. Simple logic says that Haggerty just cannot be offering you public liability insurance.
So take your pick between Haggerty and RH, but don't do so on that basis and certainly don't tick any boxes on event forms that say you have Public Liability Insurance as if you are claiming to have it and there is some unfortunate incident then there could be all sorts of repercussions on you, because the organiser could then sue you on the basis that they didn't insure you because you claimed to have your own public liability insurance. It's a mess you don't need to get yourself in.