I move that the Committee agree with the Seanad in amendment No. 15:—
Section 10. Before sub-section (2), page 8, a new sub-section inserted as follows—
(2) Where a building has sustained an injury to which this Act applies, the following provisions shall apply and have effect, that is to say:—
(a) compensation under this Act may be awarded to a person who carried on a trade, profession, or business in the said building in respect of his loss of earnings from the said trade, profession, or business where by reason of the said injury it is, during any period, impossible or impracticable to carry on the said trade, profession, or business, but such compensation shall not exceed 15 per cent. of the annual rate of the earnings of such person from the said trade, profession, or business as carried on in the said building during the 12 consecutive months or the period during which the said trade, profession or business was so carried on (whichever is the lesser) next preceding the date on which the said injury occurred or the sum of £150, whichever is the lesser;
(b) compensation under this Act in respect of loss of employment may be awarded to an individual who was, immediately before the said injury, employed in a trade, profession, or business carried on in the said building and has, by reason of the said injury, lost his said employment either permanently or temporarily, but such compensation shall not exceed 15 per cent. of the annual rate of his earnings in that employment during the 12 consecutive months or the period during which he was in the said employment (whichever is the lesser) next preceding the date of the said injury or the sum of £150, whichever is the lesser.
This is one of the principal amendments made in the Seanad. It broadens very considerably the definition of consequential losses for which compensation may be claimed. The effect of the amendment is to allow compensation for loss of earnings resulting from damage to a building up to 15 per cent. of the annual amount subject to an overriding maximum of £150 for any one claim. Deputies will recall that when Section 10 was previously discussed in this House it was severely criticised and, in response to the representations then made, I inserted a provision in the Bill covering removal expenses and alternative accommodation with a maximum of £50. This met the more immediate and serious forms of consequential loss, and it was considered, I think, that it represented a substantial advance on the Bill as introduced.
When, however, the Bill in its amended form came before the Seanad, Section 10 was again attacked on the score that it covered only this limited category of consequential loss and that even within the restricted category compensation was subject to the maximum of £50. On the Committee Stage, I was induced to agree to drop the money limit altogether and to pay compensation without limit in respect of such expenditure as I was satisfied was reasonably incurred. At a later stage I was pressed to allow compensation for other classes of consequential loss, particular stress being laid on trade losses and loss of employment and also losses sustained by persons taking in lodgers or letting houses or rooms. I could not in any circumstances agree to bring in consequential loss generally, without restriction as to category or amount, but I was impressed by the case made for providing compensation for people whose livelihood is adversely affected and the amendment now before the Dáil is the result. It enables compensation up to, roughly, two months' wages to be paid to a worker who loses his employment as a result of his employer's business premises being destroyed or damaged; similarly, something like two months' earnings may be paid to the trader himself. This gives the parties concerned time to look round and meets the cases that were represented to me as most typical and frequent; all the poorer cases at any rate, and cases in which real hardships might arise are covered.
The amendment leaves the final decision in the hands of the court, as in the case of other claims under the Bill. This I consider preferable—both from the administrative angle and in view of the amount of money that may be involved—to retaining complete discretion in my own hands. Having regard to the concessions I made in bringing in these new categories of consequential loss, I felt I must retain the existing limit of £50 for removal expenses and alternative accommodation. Accordingly, I did not proceed with an amendment I had tabled in the Seanad in fulfilment of my earlier promise to cut out the limitation.