1. INSURANCE ISSUES Colin Dawson Chief Executive BALPPA

2. Background to the increases Reduction in Insurers due to merger,closure etc. Insurers being more selective Increase in P.L. claims Insurers playing catch-up and recovering increased costs September 11

3. Not a short term problem The market is getting harder.

4. Beneficial influences on premiums Signage policy Risk Assessment/Management Staff Training Claims Management Assurance schemes linked to insurance policies Proposal for new legislation

5. Based on the USA model and under consideration in Australia.

6. Uniform Rider Safety Act Places responsibility on the visitor to behave in a safe manner to avoid the risk of causing injury to themselves or others

7. THE WAY FORWARD Form a strong lobby group from the Industry. Obtain the support of H.S.E. Obtain support from organisations throughout the Industry. Act now – new legislation takes time.