The Corporation and the Corporation Subsidiaries have maintained insurance in such types and amounts as appropriate for their respective businesses. Neither the Corporation nor any Corporation Subsidiary has any self-insurance or co-insurance programs. Neither the Corporation nor any Corporation Subsidiary has been refused any insurance coverage sought or applied for and neither the Corporation nor any Corporation Subsidiary has any reason to believe that it will not be able to renew its existing insurance coverage as and when such coverage expires or to obtain similar coverage from similar insurers as may be necessary to continue its business at a cost that would not have a Material Adverse Effect.