Up to 45 sectors and sub-sectors of the economy are struggling to get insurance cover for their activities, or are limited to just a single underwriter.
That is according to insurance reform campaigners who have called for the Government to intervene directly to ensure no sectors of Irish society are left behind when it comes to insurance reform.
The sectors include a varied range of areas, including ice-skating, mountain biking, pubs, aqua parks, thatched buildings, travel agents, circuses and more.
"Historically, insurance was based on the principle of many policyholders covering the losses of the few," said Peter Boland, director of the Alliance for Insurance Reform.
"Increasingly what we are seeing is smaller and smaller sectors being expected to pay their way by insurers."
"This global insurance trend of micro-segmentation means that in an economy the size of Ireland’s, there will inevitably be smaller sectors or individual entities that cannot get insurance to cover their activities."
The alliance claims many of these sectors, particularly the smaller ones, will require Government intervention in order to survive.
Mr Boland told RTÉ's Morning Ireland that he does not think there is any appetite for setting up a State insurance company, but rather the State giving guarantees to the insurance company.
He said what is needed is a well-informed systematic approach that is well structured and well put together by Government.
It says the State has responded recently to some difficult cases by offering cover through local authorities.
This includes Spancilhill Fair and Stephenstown Pond in Louth.
However, the alliance claims these cases were piecemeal and done in a last-minute way.
"We urge the Minister of State with responsibility for insurance, Sean Fleming, to take the initiative and develop a formal response to this issue with the insurance industry as a matter of urgency," said Ivan Cooper, Director of the Alliance and Director of Public Policy at the Wheel.
He added that this was necessary "so that critical elements of the State's community, cultural, heritage and voluntary infrastructure, much of it endorsed, encouraged and financially supported by the State, can be protected."
Others facing limited or no cover options include climbing walls, older car drivers, independent marts, late night venues and nursing homes.
