In 2017, there were 5.7m businesses in the UK of which over 99% were classified as small or medium sized businesses (SMEs), i.e. those employing 0-249 people.
But of that 5.7m, 96% (or 5.5m) are micro-businesses, employing fewer than ten people.
The majority of these businesses rely on one or two individuals for their commercial survival. And, the average age of the business owners is 49. What happens when a key person gets ill?
Therein lies the problem - most of these business owners will
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