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It always amazes me that everyone seems to know about insurance regardless of their knowledge. Perhaps you can explain why public liability insurance isn't available to me. If I cycle and I cycle into someone and injury them or their property, who I not need public liability insurance to pick...

It's not mandatory under UK law

I would have thought that the first questions that need to be asked are: 1. Who has told the organizers that PL cover is required. 2. What PL Limit of Indemnity is suggested or required as a minimum 3. Are any terms and conditions stipulated by who ever says everyone needs it. No point doing...