PLi is a must have, it is not just the cost of providing medical care for anyone you may injure but is also needed to cover litigation costs.
Just gone thru the process. Cannot remember what the costs were but around £30,000 for a minor injury.
Healthcare is not the issue, if someone is injured then there is the additional aftercare that is required and also you then get into losss of potential earnings etc if it is serious. For example if you fell on a child and injured an arm so that ther was limited movement you can be into serious money. The reason £5m is now quoted by organisers as a minimum requirement is because they are now being sued for this amount on a regular basis. Cannot tell you exact circumstances but recently I have seen a serious arm/elbow injury be settled at £3m+