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Piublic Liability Insurance for Small Business

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I am in Ireland and we have a requirement here to have €13.5 million of Public Liability Insurance for business. This seems quite high and it must have an impact on the cost of the insurance. I am arguing that this should be reduced to about €6.0 million and that this could then allow for a 50% lowering of the Public Liability insurance costs. For comparison purposes what level of Public Liability Insurance do businesses have to carry in France? I wish to see if, as we are all Europeans are we being treated the same in respect of these insurances

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