Be careful with the flock pay as you fly insurance.
They only cover you for 500m diameter flight, so multiple flights that can be carried out within the hour in that area are covered but you have to pay again if you are flying further way. You also have to make sure you have written permission from the landowner for TOAL otherwise they wont pay out incase of a claim. Better off with someone like moonrock.
Depending on your public liability cover will depend on how much you pay. I currently pay more for my drones than I do for my car insurance. I can drive my car 24/7 in any weather 365 days a year, I think you can fly your drone around 126 days a year, or something along that, it doesnt make sense