[Doug]

It’s just another “Nanny State” paranoia trip, trip being the key word. Public Liability Insurance is requiresd to indemnify HBC should one of you get a little boisterous and trip over a raised kerb stone and hurt yourself, or possibly to prevent undue claims against HBC should one of you be run over by a speeding taxi out side of the Town Hall.

Dean. I beg your forgiveness if I sound condescending, however the truth of the matter is that no local authority wants to take a “normal” risk anymore. Unless that is, you are prepared to cough up a nice lump sum to pay for any lumps that you are your mates might acquire. It’s sad, but it’s true.