| Whoa,
Thank Johnda, Dibs and Mav, but bluddy hell.
£976.00......that's me out of business already then.....Would need to take pictures nearly all my life at the current rate to even get close to a ROI on £976.00
I don't have employees or clients who could sue me......I guess it's needed in case my actions by the track cause injury to others which really means the riders....(e.g. I step over a barrier onto the track and take out an unsuspecting rider etc).
Do all insurers offer PLI or do you have to go to specialist firms, and also do you contact the firms direct or do brokers offer it?
Sorry for all the Q's but's it's something I know nothing about. | 
Guido
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