Provide daily outdoor access that builds distinct outdoor skills—plan around each child’s needs and goals, link with indoor learning, structure enticing, development-led activities, and always risk‑assess, document, and inform insurers about new equipment or activities.

Find out why risk assessments are important, how you can avoid accidents and help to reduce the chance of a liability insurance claim in this guide.

Overview of the history and importance of British pubs, with facts on their origins, number, and role as major employers.

Move to higher ground, avoid flood‑prone pitches, monitor warnings, and if floodwater enters act fast by contacting the insurer—comprehensive or new‑for‑old caravan cover can replace write‑offs, but policies may restrict cover at known flood‑risk sites.

Keep speed slow and calm, steer with hand at the wheel’s base so the caravan follows that hand, watch for jack-knifing and counter-steer early, use a spotter, wide towing mirrors, and consider reversing cameras for clear corner views.

Standard construction for residential properties is bricks and mortar or stone, with a slate or tiled roof. Non standard properties can feature one or more of the following aspects in their construction

Verify the running gear is road-legal by checking hitch head and stabiliser pads, suspension (sits level), brakes and breakaway cable, lights and tyres, and always request a short tow test; follow up with an annual specialist service to keep cover valid.

Underinsurance is a silent threat—if sums are undervalued, average clauses slash payouts, so revalue and update cover now to prevent costly shortfalls.

We surveyed a range of small businesses across the country to find out the biggest threats to their business right now.