Mr. Michael Lyons:

Yes, they are getting zero offers of renewal. Some of this has occurred because some insurance companies have stopped writing PI policies. When a fire safety engineering practice that was insured by company X last year goes for renewal and discovers from its broker that company X no longer writes a policy, it must then go to a new company.

The brokers are finding it difficult to get new entrants for an engineering practice and to get a new policy written by an alternative insurance company because the insurance companies are reluctant to sign up to our safety policies.