Well, I think they really need to review their exposure with their broker. I deal with a lot of agricultural consultants and we tend to take a view, initially, looking at the maximum exposure if they have a total loss. But then we have to look at exposure if they cause contamination to water courses, contamination to adjoining crops, etc. So, I guess dealing with an experienced broker, who understands your particular profession, will give you a good heads up to what level of cover.
The other thing to say is, it will be driven by how much someone is willing to spend. They may need £5m, but if they've budgeted for just £1m then that's all they can have.