Reportage - SME: a blossoming romance

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Small to medium-sized enterprises (SME) account for the overwhelming majority of UK businesses - 99.9% to be exact - an impressive statistic seeing as the term didn't even exist until around 20 years ago.

Regardless of how this sector is defined, brokers have always been aware that small, local businesses are their bread and butter and have treated them as such - maintaining and nurturing relationships with firms that have often spanned generations.

While insurers may argue that SMEs have always

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