Stan ........ you got me intrigued, so I've just done some research. There is no blanket recommendation from the Insurance Industry for the adoption of a 'standard' £10M cover for PLI.
I've had previous experience with councils asking for cover higher than the current 'standard' of £5M and have been involved in situations whereby they have had to back down.
We as a Club have £5M cover for which we pay less than £200.