With a growing number of compensation claims arising from cases of historic sexual abuse and more recent high profile cases of sexual grooming, Tim Whewell investigates the key role which insurance companies play. In representing the local authorities where scandals occurred, insurers naturally seek to limit liability but are they doing so at a cost to victims? Lawyers say they have to battle to get access to files and other information - causing further distress and delaying help for those damaged by abuse. Some say the fight is getting harder as insurance companies have toughened their approach in recent years. And, with a national inquiry into historic cases of child sex abuse, how much influence did insurance companies have on the way some past investigations were carried out? File on 4 talks to senior local authority insiders who say they were told to alter their approach to abuse investigations to protect the insurers' interests. But was that at the expense of children at risk?