John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Some of the companies cover it. The complaint I have received is that most design team members are required to carry a minimum cover of €6.5 million. I presume that is public liability cover for the various developments they are involved in. They currently can only get €1 million to €2 million coverage and as they exceed €2 million, there is a 400% or 500% increase. They are being asked to sign off on housing estates and developments that have been completed. Without them having the cover, many councils and voluntary housing agencies will simply not get the sign-off that is required by law. It is interesting that when they are dealing with insurance companies regarding fire cover, there is a clause in one of the policies, which states: "We will not make any payment for any claim, or part of a claim or loss, arising directly or indirectly due to the combustibility or potential combustibility of fire protection performance of any type of panelling, cladding, facade or other material used in the surface, roof or interior of any building including, but not limited, to any associated core filter signage and insulation". Is that a clause that any of the companies are familiar with?