I propose to take Questions Nos. 110, 126 and 127 together.
I am very much aware of the substantial increases in insurance premiums that many businesses are facing and that it is undermining enterprise and job creation.
The pricing and underwriting of insurance is a matter for insurance companies. EU law prevents me from intervening in relation to the matter of premium levels or in respect of what risks these companies are prepared to underwrite. Insurers make decisions on provision of cover based on their assessment of risk.
The Agreed Programme for Government contains a series of measures aimed at tackling the high cost of insurance, particularly motor and employer liability insurance. These measures include the implementation of the 67 recommendations of the MIAB report, many of which have the potential to impact favourably on employer liability insurance as well; and the establishment of the personal injuries assessment board.