What is a primary reason for requiring liability insurance for a charter?

Liability insurance is primarily required for a charter to ensure coverage for pest control damages. This type of insurance safeguards the charter against financial loss that may arise from claims related to damages caused by pest control services. For instance, if an action taken during a pest control treatment inadvertently causes damage to a property, liability insurance would cover the costs associated with that damage, protecting the charter financially.

While the other options touch on aspects that could be relevant in certain contexts, they do not directly articulate the primary purpose of liability insurance. Natural disasters and employee benefits, although important, are not central to the specific liability concerns addressed in pest control activities. Meeting legal requirements can vary by jurisdiction, but liability insurance's fundamental role is to protect against unforeseen liabilities, particularly those that can arise from service-related incidents.