It is not just the more energetic aspects of the industry that are being affected by spiralling insurance costs. This year alone, the cost of insurance for bed and breakfast establishments rose by one-third. In a number of cases where minor expansion work was carried out, the increase was as much as 70%. I am aware of an establishment in Kerry whose premium increased by 130%. The effect of these increases is that bed and breakfast establishments in rural settings with three to five bedrooms are now paying premiums of €1,500 to €2,000 per year. That is an imposition on these establishments when we consider their relatively isolated location, the small markets available to them and, in some cases, the limited tourist season in which they have to operate. Such a figure is a large amount of their annual turnover and is clearly an inhibiting factor that results in preventing a more balanced spread of tourism.