Colm Burke (Cork North-Central, Fine Gael)

There is also a need for employers to make sure that employees are aware. One example I have involves a builder who is asked whether he uses blow torches for removing paint and says no. If he is on a building site, someone offers an employee a blow torch to remove paint and the building goes on fire that night, his insurance company will say that it will not cover him because when he filled out his application form, he said he never used them.

This is a simple example of where something can go radically wrong. There is a need also for employers to advise employees of the exclusions and what they are or are not entitled to do. We sometimes forget about that as well. I am just wondering about getting information out. Do the witnesses believe we can do a lot more about getting out information about exclusion clauses and the importance of going through the final document when they get it rather than just the application form itself?