Business insurance is just one cost that smaller companies are having to bear at a time when lending has been dramatically scaled back by the banks.
Putting the cost of business insurance to one side a minute, it's reckoned that banks have reduced lending to the sme sector by around £20 million a day. Take that out of the system and you have potentially a huge problem with an increasing amount of companies struggling to survive.
Small business insurance cannot directly compensate for a
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