I heard a few years ago that LBA had a loss of licence insurance policy for the ATCO's.The management then decided to terminate the agreement withiut telling anybody to save money. Then one of the ATCO's lost their medical permanently. Instead of going to court and to lose their jobs the management now they pay the ATCO Loss of Licence insurance through the company. Cutting costs again but losing out in the end, costing the airport and taxpayers of the local councils more money. If you have a good scheme make sure that the management are fulfilling their side.