Mr. Padraig Cribben:

Insurance is a major issue. The non-payment of insurance due to business being interrupted has been well documented in the press.

There are serious issues in that regard, as well as around forbearance when businesses are closed. There has been a very mixed bag in the context of businesses having been closed for 13 or 14 weeks. In some instances, insurance companies have stated they will discuss the matter when the business renews its policy at the end of the insurance year. Of course, that means the business cannot shop around for options because it is tied to that insurer. The insurance companies have behaved abysmally on this issue, but we probably would have been foolish to have expected anything else, given our experience with insurance companies and insurance generally in recent years.