Who do you ask use for your insurance and what do you insure for? I currently use Markel and am looking for a cheaper option in a bid to reduce costs in these uncertain times. I've looked at the ICB offering but it doesn't include cyber & data risk, portable equipment nor occupational personal accident. I consider these a necessity, in addition to professional indemnity. Do I need public liability? (I currently have it). Thank in advance for any advice.