CDM Regulations are aimed at improving the overall management and coordination of health and safety throughout all stages of a construction product. They place duties on the client, the designer, the principal contractor and the planner supervisor (a creation of CDM). They also introduce new documents – health and safety plans and the health and safety file. The planning supervisor must notify HSE of projects that will last more than 30 days or more than 500 person days of work.

The types of material used in the building and roofing of a structure. Construction types, e.g. brick or timber built, affect the risk as do the number of fire divisions in the building. Other construction factors affecting the risk include age and condition of electrical circuits, number of storeys, the building’s age and the type of heating system. Underwriters grade risks according to construction features.

1. The rules governing the interpretation of a policy which include the contra proferentem rule, the ordinary meaning rule, the ejusdem generis rule, the whole policy rule, the technical words rule and the written words prevail rule. 2. The First Schedule of the Marine Insurance Act 1906 contains the Rules for the Construction of the Policy.
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A Policy of Insurance is to be constructed like any other contract, it is to be constructed in the first place from the terms used in it, which terms are themselves to be understood in their primary sense. The meaning of a word in a Policy is that which an ordinary man of normal intelligence would place upon it, and understandable by ordinary persons.