Mr. Brian Hanley:

On having one underwriter, the number has come down. There were more sectors five years ago that had only one underwriter, or indeed could not get any access to cover at all, and the officials in the insurance section of the Department of Finance certainly were working with some of those sectors and there has been progress. However, it is still a significant number - 20%. A lot of them are in tourism, arts and so on, maybe tour operators, historic houses and all sorts of areas you might not think of. It is a perilous place to be because it is an existential issue. I know of one tourism representative body that told me of a time when an insurer stated that, in three months' time, it was pulling out of the sector and there was nobody else. Thankfully, that insurer stayed on or a new one was found but a lot of livelihoods are wrapped up in something when it is that perilous. They are the stakes in terms of competition. It is not just about premiums. It is ultimately about livelihoods as well and local communities that those jobs support. While good work absolutely has been done, to be fair, in reducing the number of sectors that cannot get cover, the issue for many now is access to affordable cover. That is where the challenge lies. Thatched cottages are in an invidious position. Some of the arts have huge difficulties. Some tour operators in the tourism space have either one underwriter or none at all and that is problematic.