There's a responsibility. We enter into a partnership with both the insurance company and the borrower. Are we trusting? Yeah, to a point.

This has to be a partnership, because ultimately the communities are entitled to take responsibility and empower themselves.

We are delighted to have formed a greater working partnership with a local company who enjoy significant national exposure and this is the biggest sponsorship deal involving clothing in county cricket.

We value our partnership with Heartland Payment Systems and are pleased to continue the relationship. Heartland is a great company and we are delighted to serve as their partner in delivering secure, reliable solutions to their merchant customers. Heartland has experienced tremendous growth, and we are excited to extend our relationship to achieve even more successes in the years to come.

All of that is the Navy's responsibility to cover. But there are other things that the company had insurance to cover, things like capital expenses and business interruption.

If you're a director of a company you have a lot of responsibility. A director of a company is personally liable for wages owed to an employee.