As the old saying goes, a problem shared is a problem halved. Peter Rees’ article “Double Your Risk” (4 November), explaining how more than one employer can be liable for the acts of employees, seems to demonstrate a more realistic scenario: a problem shared is two people with a problem.

But why will this have a profound impact on insurers and premiums? In the collective insurance world, the increased liability on one side should be offset by the equal and opposite reduction in liability on the other. Unfortunately “shoulds” do not exist, excuses do. Okay, a bit simplistic and tongue in cheek, but a reasonable mitigation.