We saw this recently with a play centre that was told it would only get insurance at a very expensive price with behemoth excesses if it ditched its ninja obstacle course – its biggest earner. Despite having no claims, a well-developed risk management system, active supervision and monitoring and the help of an experienced broker, there was no insurer ‘appetite’ to cover this activity. The business was forced to close and the jobs, service to the community and resulting economic activity were lost.