Thing is that it depends on what you do!
My insurances are horrendous as I have to cover for Mech, Plumbing & Elect, on buildings & M/C's als0 H&S & Engineering consultancy, M/C moves, lifting, FLT, Access equipment, training and Ltd. Co.
Plus my customers require certain levels of cover & 250k PI just don't cut it I have one that requires 10M PI & PL & efficacy (failure to perform) of > 1M
Mare!