That time of year need to renew my public liability as a sole trader
Just doing due diligence and was looking for reviews or recommendation from engineers who have had to deal with their insurers after an incident, and how they got on.
I never had to claim and usually go with the same guys each year paying around £100 for 2 million cover
Stick with them then as that is a very reasonable premium. All PL insurers operate in exactly the same way so plying one against the other has no meaningful outcome overall.
You’ve got to mind if you change and somebody tries to claim against you after you have changed, and the claim was before the change i would imagine it wouldnt be easy trying to get old company to look at the claim after you have done a bunk.