Why do you need insurance?

It is easy to make mistakes. Mistakes lead to accidents and accidents can lead to death, injury or the collapse of the entire house. Result? People will pursue us to the grave endeavouring to claim every penny from us. Be warned - take out a policy NOW!.

We are speaking of extremes here but they have happened, so it is wise to ensure that you have covered all bases. So with that out of the way lets look into the insurance business in more detail . . .

• The act, business or process of insuring person or property
• A contract binding a company to indemnify an insured party against stipulated loss, damage or injury in return for premiums paid.
• A protective measure or device.

Since “insurance” can refer to “a means of guaranteeing protection or safety,” how can you avail yourself of that kind of insurance?

Much of the risks that we come across in life can be avoided simply by being safety conscious. Being conscious of safety and health is a form of insurance and is without doubt is the cheapest and easiest form.

However, realistically this is not sufficient for a major project. If you are using scaffolding around your you will want to make sure that the team erecting the scaffold have public liability insurance covering them, their work and your property.

When your scaffolding is complete the company should also ensure that it is not easily accessible to unauthorised persons. Ladders should be secured so that children cannot climb up and put themselves at risk.

The construction industry can be dangerous, so that’s why as a reputable company Honiton Scaffold Ltd use only skilled workers and have full public liability insurance.

Even if you do not require scaffolding or you have your own, then if you are embarking on a major project on your house it is advisable to check with your home insurance company if you require extra cover whilst you are completing this project.

It is often as simple as taking out an additional policy with another insurance company who specialises in covering major building or reconstruction projects. You may also require ‘public liability’ insurance – it is well worth taking professional advice before undertaking such work.

It is often as simple as taking out an additional policy with another insurance company who specialises in covering major building or reconstruction projects. You may also require ‘public liability’ insurance – it is well worth taking professional advice before undertaking such work.