If policyholders don’t manage the risk and don’t have a risk management proposition in place, there will generally be more incidents resulting in potential injuries and also down time. It also means for both the policyholders and for us as the insurers, that the claims they do have will be harder to defend if they don’t have a documented paper trail evidencing everything that they’ve done from a health and safety point of view. The other difficulty that we often see with that is that in some companies where there are successful claims, this can often lead to a bit of a ‘claims culture’ where other employees putting in claims, so its really important to have this buttoned down and nip anything in the bud and be able to defend it effectively. We also have examples where, to use the legal term, the claimant is the author of their own misfortune, so someone has done something perhaps a bit foolish or perhaps something you wouldn’t expect the ordinary person to do, but even claims like that are really difficult to defend without being able to evidence the fact that health and safety laws are being complied with and that safe working practices have been established and communicate to employees. These are the type of claims that cause frustration all round and we’ve got numerous examples of how this works in practice. We’ve worked with one policyholder who had a very robust risk management process and for example, over the last four years, they had six formal employers’ liability claims and we were able to successfully defend four of those on their benefit. We had a policyholder who had very limited documented risk management and they had five claims over the last three years, and unfortunately, we were only able to defend one of those claims on their behalf and the claims that we had to concede on were settled at a cost of £224,000 so that had a really adverse effect on their premium. The consequences can be quite far reaching.