Growing out of control

For small businesses, risk manaagement has in the past consisted solely of paying your premiums, keeping the floors swept of inflamable rubbish and the fire buckets full. However, risk management strategies have had to grow up fast to respond to more hazardous times.

Increasingly, owners of smaller firms face risk issues unimaginable a generation ago - legal, financial, regulatory - quite aside from the protection of their people, premises and plant. A new risk management service industry has

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