Lord Sandhurst (Con)

I understand the concern that those in charge of organising events must act responsibly, and I hope the Committee will accept that all decent people—the sort of people who organise a voluntary event—will want to do so. If things go wrong and there is a disaster in the form of a terrorist event, in particular one that could and should have been prevented, the person responsible—the chairman of the committee or whatever—will not want to be found responsible in the court of public opinion for an outrage occurring at something that they have organised. Quite simply, no decent person who has thought about it for a moment would want that on their conscience. That is the starting point. I cannot deal with rogues and vagabonds, because they are to one side; I am talking about the vast majority of people who get involved in smaller events, not commercial organisations. Small organisations, if properly advised, will insure against financial penalties. That may be the cost of putting on an event. At a local jubilee event a few years ago in south-west London, in Putney, on a little green we have in our street, we were going to have a bouncy castle. I said that we must get substantial personal injury liability insurance in case a child falls off and breaks their neck and suffers brain damage. It was vast damages then—not as much as it is now but certainly into millions of pounds. We were able to get it fairly cheaply. However, that was for personal injury damages. What you cannot do is ensure against going to prison. You could certainly get insurance against criminal penalties up to a certain level. If it is known that the fine is not going to be more than £2,000 or something, it will not be terrible, but the insurers will not insure you next year if you are fined this year.