Are changes in insurance costs that are attributable to project-specific factors (eg claims-history, poor security, quality of build material, installation of sprinklers, security arrangements , etc) most appropriately borne by (a) the private sector, (b) the public sector, or (c) borne on a shared basis?  Please specify how. 

Others respondents will be better placed to respond on this point 

Under SFT's model of the public sector taking "market" movements risk, each party bears its own risk around claims history through the sharing arrangement set out in the Payment Mechanism.