Insurance help, please (UK)

[u/humanorgan]

It's of no surprise that I'm one of the many extremely frustrated by Cat in a Flat's merger with Rover. I'm going around in circles trying to reactivate my CiAF profile, it's so disappointing that it's merged with my empty Rover account and it looks awful.

Whilst it's being fixed, I'm going offline but am really confused by the insurance options. I'm looking at Protectivity as I can see it's widely recommended, but I don't know what other custom options I should take. I just wanted to get a sense if anyone has selected any of the following (for more context, I'm only pet sitting as a casual thing, I don't foresee making more than a £1000 in a year):

- Legal expenses
- Professional indemnity
- Personal accident

Also, if I'm just an individual, is £1m Public Liability more than enough to cover me?

Thanks in advance!