Central records show that the Secretary of State for Business, Innovation and Skills, my right hon. Friend the Member for Twickenham (Vince Cable), has not received any representations on the Flood Re scheme.

The Flood Re scheme has been specifically designed to provide affordable flood insurance to domestic policyholders who will also fund it. It would be inappropriate to ask domestic policyholders to subsidise insurance for small businesses.

The scheme is not suitable for commercial properties. In general, business insurance policies are often bespoke and already priced to risk, as opposed to the household insurance market where a cross-subsidy has historically been in place. A survey of over 9,000 businesses in England estimated that less than 1% of them had experienced difficulty getting property insurance in the last year due to the risk of flooding and that no businesses had been refused insurance cover due to the risk of flooding. This view was supported in the consultation on Flood Re and in discussions with other Departments.

We have held regular discussion with the ABI, representatives of small businesses and other Government Departments and will continue to work with them as we monitor the insurance market for small businesses and keep the issue under review.

The Flood Re scheme has been specifically designed to provide affordable flood insurance to domestic policyholders who will also fund it. It would be inappropriate to ask domestic policyholders to subsidise insurance for small businesses.

The scheme is not suitable for commercial properties. In general, business insurance policies are often bespoke and already priced to risk, as opposed to the household insurance market where a cross-subsidy has historically been in place. A survey of over 9,000 businesses in England estimated that less than 1% of them had experienced difficulty getting property insurance in the last year due to the risk of flooding and that no businesses had been refused insurance cover due to the risk of flooding. This view was supported in the consultation on Flood Re and in discussions with other Departments.

We have held regular discussion with the ABI, representatives of small businesses and other Government Departments and will continue to work with them as we monitor the insurance market for small businesses and keep the issue under review.

The Flood Re scheme has been specifically designed to provide affordable flood insurance to domestic policyholders who will also fund it. It would be inappropriate to ask domestic policyholders to subsidise insurance for small businesses.

The scheme is not suitable for commercial properties. In general, business insurance policies are often bespoke and already priced to risk, as opposed to the household insurance market where a cross-subsidy has historically been in place. A survey of over 9,000 businesses in England estimated that less than 1% of them had experienced difficulty getting property insurance in the last year due to the risk of flooding and that no businesses had been refused insurance cover due to the risk of flooding. This view was supported in the consultation on Flood Re and in discussions with other Departments.

We have held regular discussion with the ABI, representatives of small businesses and other Government Departments and will continue to work with them as we monitor the insurance market for small businesses and keep the issue under review.

The Government takes the enforcement of NMW very seriously and HMRC review every complaint that is referred to them, investigating the complaint and, in addition, carrying out targeted enforcement where we identify a high risk of non-payment of NMW.

HMRC records information by Standard Industry Codes (SIC). Under the SIC division for Employment Activities, 20 investigations were completed in 2012-13 where workers were owed arrears. HMRC does not hold its management information in a format that will identify the specific reason for underpayment of minimum wage.

Where arrears due to non-payment of the minimum wage are identified, a formal notice of underpayment is sent to the employer. HMRC contacts every employer whom they find has paid workers below the national minimum wage to confirm that they have paid the identified arrears to the workers. In addition, where arrears are found for five or less workers HMRC will contact all the workers to confirm payment by the employer. In cases involving arrears for more than five workers HMRC will contact a minimum sample of five workers to confirm payment by the employer.

The GLA are currently investigating three employment businesses where workers are being charged through payroll deduction for personal injury insurance which may take their pay below the minimum wage level. The GLA has investigated insurance schemes before but compliance action was not appropriate since the charge did not reduce pay below the minimum wage.

The GLA are currently investigating three employment businesses where workers are being charged through payroll deduction for personal injury insurance which may take their pay below the minimum wage level. The GLA has investigated insurance schemes before but compliance action was not appropriate since the charge did not reduce pay below the minimum wage.

The GLA are currently investigating three employment businesses where workers are being charged through payroll deduction for personal injury insurance which may take their pay below the minimum wage level. The GLA has investigated insurance schemes before but compliance action was not appropriate since the charge did not reduce pay below the minimum wage.

The GLA's Licensing Standards require that any insurance cover, whether taken by payroll deduction or direct debit, does not result in the worker's pay falling below the minimum wage.

I have been asked to reply on behalf of the Department for Business, Innovation and Skills.

The selling of personal accident insurance policies is a matter for the Financial Conduct Authority.

The Conduct of Employment Agencies and Employment Businesses Regulations 2003 prohibit employment agencies and employment businesses from making work-finding services to temporary workers conditional upon the purchase of additional services. The Conduct Regulations also provide that temporary workers can withdraw from additional services. The Pay and Work Rights Helpline (0800 917 2368) is the first point of contact for complaints about breaches of the Conduct Regulations.

The Employment Agency Standards Inspectorate (EAS) has investigated complaints relating to personal accident insurance policies being sold to temporary workers and sought remedial action as appropriate. EAS would consider prosecuting the agency or employment business if they continued to breach the regulations that apply, however no such case has arisen to date.

The practice of employers automatically enrolling employees in personal accident insurance policies is a matter for the Financial Conduct Authority. The Department for Business, Innovation and Skills has not made an assessment of employment agencies selling such policies to temporary workers.

The selling of personal accident insurance policies is a matter for the Financial Conduct Authority.

The Conduct of Employment Agencies and Employment Businesses Regulations 2003 prohibit employment agencies and employment businesses from making work-finding services to temporary workers conditional upon the purchase of additional services. The Conduct Regulations also provide that temporary workers can withdraw from additional services. The Pay and Work Rights Helpline (0800 917 2368) is the first point of contact for complaints about breaches of the Conduct Regulations.

The Employment Agency Standards Inspectorate (EAS) has investigated complaints relating to personal accident insurance policies being sold to temporary workers and sought remedial action as appropriate. EAS would consider prosecuting the agency or employment business if they continued to breach the regulations that apply, however no such case has arisen to date.

The Gangmasters Licensing Authority (GLA) has found several employment agencies in the regulated sector which charge workers for personal accident insurance cover. Where payment of fees for this cover would take a worker's pay below the level of the National Minimum Wage the GLA will take the necessary compliance action, including where appropriate, revoking a gangmaster licence.

The Financial Conduct Authority will respond separately to the question from the hon. Member.