Minimum a person must earn in any pay period before they have to pay national insurance. Reviewed annually.

A ‘nuisance’ peril that may create liability for third party property damage. Construction industry firms face this risk, which can also cause damage to the contract works and the insured’s own property. Insurance can be arranged under JCT clause 21(2)(1) ‘non-negligent’ cover. Ground water is water occupying the pores and crevices of rock and soil as opposed to surface water. Where the work of the contractor lowers the ground water the stability of buildings may be undermined leading to a nuisance.