Other issues affecting cultural policy relate to insurance legislation. The very high cost of insurance premiums is putting the festivals and cultural events sectors in Ireland at risk. In response, the Alliance for Insurance Reform (a group representing businesses in Ireland) is lobbying government and demanding a cut in unfair personal injury awards, a rebalance of the Duty of Care, the establishment of a Garda insurance fraud unit, and lower premiums from insurers. The group consists of a wide range of civic, sports and small business bodies as well as individual businesses; all of them affected by the unsustainable cost of insurance in Ireland. The group has called for the establishment of a special cabinet committee in government to address the issue but as of yet government has not dealt with the issue adequately.