That's pretty easy to get, unless you don't want it in your own name. Most business bank accounts come with an offer of liability insurance, most cover up to 1.25 mill or 1/4 mill. So you go to companies house, register your company, get certificate, go to bank (the one you bank with is best) Tell them you are starting an online business of some sort, whatever, they give you business a/c number and liability insurance, easy peasy jaoaneesy, until the Hawaii 5-0 show up and find it's all registered in your name,,,,doh! But that's the risk you take I guess.