Just as an aside, it's worth noting that there's case law in the UK suggesting that if you aren't insured you aren't a proper specialist. The insurance companie

Just as an aside, it's worth noting that there's case law in the UK suggesting that if you aren't insured you aren't a proper specialist. The insurance companies don't do nominal insurance for this purpose, so the costs are there either way. I may have a flawed understanding of this but it seems like an oddity in how we consider what constitutes professional or specialist tradesperson that would inevitably inflate costs.