Understanding Construction Liability Insurance

In building and construction industry, damages and injuries are likely to happen. Workers can mishandle items and damage a property in the process, a worker may sustain injuries on duty, or the project owner may want to sue a contractor due to a flawed job. In all the instances, it is advisable for the chief contractors and their sub-contractors to have construction liability insurance.

The main objective of a construction liability insurance policy is to protect contractors, sub-contractors, and other workers participating in a building project against possible accidents, damages, and injuries that may arise in the course of their duty. Without coverage against such risks, the builders and their teams may face a litigation process to recover any loss or damage caused.

For example, if a worker suffers a slip-and-fall injury in a construction project, he may want to sue the contractor for the injury and suffering experienced. If the contractor he works under is covered, then the insurance company takes the liability under the construction liability insurance plan.

Construction standards require that each contractor or subcontractor present evidence of liability coverage before starting to work on a construction project. The same policy applies to remodelers, homebuilders, and sub-contractors. You can learn more about builders in Blackpool at http://dgconstructionblackpool.co.uk/

Residential constructions

In residential constructions, the cover protects contractors and sub-contractors from any litigation process from the part of the project owner. In the event of any loss or damage due to unexpected conditions, the policy takes care of any lawsuit that contractors may face. Construction liability insurance exempts contractors and their teams from using their own money to cover the risks involved.

The level of coverage

Contractors need to have a given amount indicted for liability in the construction or building process. The amount usually relates directly to the cost of the project and it is even important to have liability coverage two or three times more than the project’s budget.

Commercial contractors dealing with specialized projects such as roofing projects should have a multi-million insurance coverage, which allows them to cover any injury, loss, or damage experienced during the construction process.

Finding the insurer

Before you take liability insurance policy, you should liaise with a reputable insurance company to get the details about the policy, what they cover, and about how much money you will be required to remit as premium. With a recognized insurance company as your provider, you can rest assured that any eventuality in the construction site is covered.



Why you should switch to home cooked ham

Home cooked is always better. We all know this but those pre-packed slices of ham for the family packed lunches are just so convenient. They’re also expensive, the packaging is wasteful and bad for the environment, and half the time they taste bland and uninspiring. So what’s the solution? Home-roasted of course. There’s some initial outlay, but the benefits reaped outweigh the costs involved very quickly and your family’s lunches will soon be the envy of the school and workplace.

What do you need to start?

All you need to get started is a large pan, a roasting tin, and a good quality ham joint. However, highly recommended is a meat slicing machine. It sounds like an extravagance but you will be amazed by how much further a slicing machine makes the meat go. Visit Slice Wiser to find the perfect model for your needs. Long term it pays for itself in the savings you make, and once you have one you’ll wonder how you ever managed without it.

What’s the process?

One of the frequent complaints about home cooked ham is that it is often too salty. This is easily rectified by soaking for a few hours (or even overnight) before cooking. Alternatively, the joint can be boiled for a short time before roasting to achieve the same effect. Whichever method of salt reduction has been used, pat the meat dry with kitchen paper before placing it in the roasting tin. Then simply score the fat and put in the oven at 160C (325F) for 20 minutes per pound (450g).

Make it interesting

There is nothing wrong with a plain roast ham. Good quality meat will happily stand on its own. But why stop there. Most common glazes involve a paste made from honey, or brown sugar, and mustard (adjusted to your own tastes). Seasonal offerings include studding the fat with cloves or adding cranberry sauce to the glaze. That’s the best thing about cooking at home, the experimentation. Try apricot jam or marmalade instead of honey. For a savoury twist try barbecue sauce or, if heat is your thing, try a chilli jam glaze or add some chili flakes to one of the other glazes.

It can be daunting to move away from the convenience of pre-packed and do everything at home. But with the right equipment, and a little imagination, it really needn’t be. Have fun with it, experiment to find your favourite flavour combinations, and enjoy better food while ultimately saving money.