If you are found liable for Public liability injury, disease or damage, the indemnity limit should be sufficient to cover the damages awarded against you, plus the legal costs of defending the claim. Damages payments can run into £ millions, particularly for permanent injuries or disease claims. For example, settlements for ventilated tetraplegic cases are currently in excess of £10 million. Buy as much cover as you can reasonably afford given the nature of your business and the potential risks to the public.