Host Liability Insurance UK

[Andrew3679]

We're new airbnb hosts and would like to know if other hosts in the UK have separate public liability insurance for their airbnb properties?  I ask because Host Liability Insurance looks like it should cover against most claims (up to $1M) and it's underwritten by Zurich so a bona-fide insurance policy. But, I'm pretty risk-averse so would rather be safe than sorry! Also, has anyone ever had to claim for a guest injuring themselves on their property and how was the process handled?  Thanks all. 

[Mike-And-Jane0]

@Andrew3679 Given that the UK is not as litigious as some countries I think you should be OK. However you will be exposed if you build up a number of private guests. Also I suspect most damage/ property risk policies come with liability as standard.