In reply to iank:
> The only thing missing is legal cover in case we drop a rock on someone's head or something.
I think that's "Public Liability" not legal cover, and I think you'll have that through the AAC. Legal cover would normally mean that if someone else drops a rock on your head, then your insurer will help pay a lawyer to sue them. Or the insurer or landowner or whoever you want compensation from. Not very useful IMO.