Ms Kate Tobin:

I thank Mr. O'Midheach. Given our situation as an Irish stand-alone insurer, FBD Insurance is very cautious about entering into new sectors, particularly where we do not have expertise. As the situation changes over time with the claims experience in some of those areas, we would seek to expand. It would usually be into areas that are adjacent to the business we underwrite at the moment, however.

We provide insurance for some voluntary organisations. We ensure men's sheds, usually related to the locations of our local offices, and we also insure the Tidy Towns. One of the major game changers around this will be the review of the Occupier's Liability Act 1995 and whether anything can be done on duty of care to balance the interests between small business owners, their patrons and their employees.