I know of two small enterprises in my immediate area which have had to throw in the towel and close down simply because they were not in a position to pay the 40% increase in insurance liability. More companies will go to the wall because of the excessive insurance premiums being demanded. We have seen, for example, St. Patrick's Day festivals being abandoned throughout the country this year because communities could not afford public liability insurance. Children's playgrounds have been closed down in many places for the same reason.