Disruption to production systems and the resultant income interruption from clients and grants is a key risk here. Combine that with political and regulatory change and this sector becomes a high risk one. These areas remain complex and worthy of close attention. In our experience the biggest business problems revolve around the breakdown or disruption to plant and machinery, contractual liabilities and financial loss. Insurance underwriters are very much aware of this exposure and often seek to impose onerous operating conditions and warranties. We have strong experience in creating effective insurance programmes for companies in this sector. Our insurance market connections enable us to be highly competitive in both policy cover levels and cost.