I require some clarification on what level of professional indemnity cover you would require if working on a self employed basis for public sector organisations such as health authority, local councils and community organisations. I have so far failed to find a suitable policy that covers me as a self employed consultant providing advice and managing some large scale projects.

Would you be able to clarify if a tenant renting space in a large building (in this case, a nursery renting two floors of a three storey building) would be liable to pay the building insurance costs in addition to their contents, public and employer liability premiums. We are unable to obtain a licence agreement (and suspect that there isn't one) so have no idea what has been agreed between the landlord and tenant. My question is really - what is the normal procedure? Would the tennant be expected to pay the whole of this premium even though they do not own the building and have no benefit in it as an asset? There are also other people renting space in the building.

We have had offers from students undertaking their Duke of Edinburgh community service award to volunteer for us. What sort of insurance will we need to ensure we are meeting legal requirements if they do basic jobs (grass cutting etc) on our premises? And are we legally obliged to supervise them? They are 14 to 15 yrs old.