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Sorry, Public Liability, you know, for if you drop a tree on someone's house or car or dog...or them. I just wonder why over here they assess tree work as needing a minimum of 10 million public liability. In Bermuda I don't even have to have it, but much better to, and my insurer in Oz gives me...

So...how come in Oz tree work P/L is minimum 10 million, and you guys in US can get way less? I'm paying about the same for my 10 million that Steven is paying for 1 million! Ok, my gross is way less but still!

I'm at about 5% of gross revenue for a 5 million PL policy that includes statutory liability and covers me for work overseas. My broker in Melbourne got me a policy with Liberty International which is based out of Boston. It did go up 25% a couple years ago, bam, just like that.