OK probably a thoroughly discussed question previously but the search bar won't come up with exactly the right thing.. Looking at insurance cover from different organisations and wandering - why would anyone ever need 10 million indemnity cover for any one occurrence? Surely there are hardly every insurance claims nearing 1 million let alone 10? I ask as my own liability cover is (an apparently measly) 2 million for any one occurrence supplied from a deal with the SSA. Can someone please tell me where I have missed the trick? I have recently been turned down some stalking based purely on this fact that I didn't have 10 mill cover.