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@ Anon at 7:35 today.
As a consumer you are the king. You can choose where to go. To solicitors with fancy offices and PII of millions £ or to a one man band legal professional with no insurance, no pretty secretaries. It's your choice.
The new changes will simply allow solicitors to practice as unregulated professionals. This doesn't mean that you'll be forced to go to such ones.
You say that you only hire cleaners with PII. Well, there are plenty cleaners with no PII because it's not compulsory. It's their choice how to do their business and it's your choice who to hire. Every one is happy.

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