In case of emergency

There is never a shortage of risk in running a small business - perhaps that is part of the attraction. Of course, there is all the difference in the world between a company in which the risks are understood, assessed and managed, and one where its directors rely on the vagaries of luck to see them through.

Most directors of small to medium sized-enterprises (SMEs) understand or learn how to deal with the risks inherent in dealing with customers and key suppliers, or in using sensitive

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