Beyond the call of duty

Small businesses are the backbone of the UK's economy, contributing half of its gross domestic product and providing employment for a large proportion of the working population. Despite being an unsung economic powerhouse, however, the threat to their ongoing profitability has never been so stark: growing bureaucracy and stifling regulation, combined with taxation and a weakening economy, are wreaking havoc on the sector.

Against this gloomy backdrop, the insurance industry - brokers in

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