Ms Kate Tobin:

I thank Deputy Tóibín for the question. We were the insurer, I think, that mentioned its involvement with community organisations. We also mentioned that FBD is an indigenous Irish insurer. We are a small insurer in the context of the global insurance market, even though we are fairly significant in the Irish insurance market. How we approach our underwriting and risk assessment for community organisations is that we try to write business that we already know or that is adjacent to our traditional types of business, which is around rural and farming backgrounds. That is where most of our share of community organisations has come from. We find it difficult to write in segments we do not know, and this is for two reasons: one, a lack of expertise within the area, and two, the item the Deputy just raised, namely, the difficulties with occupiers’ liability and the duty of care. However, we endeavour to build out into adjacencies with our customers based on our local knowledge with the branch network we have.