2.7  Cover Features & Extensions18

1.  Denial of access.

2.  Terrorism.19

3.  Utilities.

4.  Accountants clause.

5.  Automatic reinstatement of sum insured.

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18 For certain projects additional Cover Features & Extensions may be required: infectious disease, specified suppliers.

19 For certain projects where there is only a very remote likelihood of the risk materialising, and the probable impact of any such loss is perceived as being very low, e.g. street lighting projects, an Authority may elect not to include this extension as a Required Insurance.

For projects in England, Scotland and Wales the majority of this cover is typically provided by the Government-backed market mutual reinsurer: "Pool RE".  Pool RE does not provide protection for projects in Northern Ireland.  However under the provisions of the Criminal Damage (Compensation) Northern Ireland Order 1977, these projects will instead benefit from compensation provided by the Northern Ireland Office.  (Note:  This does not preclude use of commercial insurance should it become available).