Hi Jim as you Know I work in Construction Sort-of Mainly Decorative Maintenance (Fixing Graffiti and other Paint related Problems of Commercial Buildings.) My Public Liability here in Oz is 10 Mil Aus Pesos divide by 55c US - Roughly 5 mil; US and thats only because I,m an existing Contractor any new Guys get asked for 20 mil Aus cover (My renewal was on 9 sept 2001 and I expect it to be much more expensive this year. I will look at the figures in Oz for Food Liability and get back to the list. FWIW we had a Major Insurer go Bust last year 5 Bil Aus and our doctors had a major insurer go bust in the last 2 months I seriously don't think a 2 Mil US product liability cover would cut the Bacon here in Oz next year.. FWIW My Brother Back traded his Ford Cougar with Extras on a Ford Escape (small 4x4) as his Insurance rose to the equivalent of $150 US a month , the Escape costs him $50 US a month, O.K. He lives in Sydney and as such pays extra due to the extra risk of theft, The same 4x4 up here in the country would probably cost $30 Us a month to insure / Subaru Imprezzas are basically uninsureable in Sydney as they are the Ram Raid Getaway cars of Choice $200 US a month if you find a Company stupid eneogh to insure you.. Any way I got my Latest issue of Chile pepper Mag the other day and might go in the Comp as I have a couple of good Recipies Luke in Oz