subject: www.enjoypatrickresponsibly.com In case of a large loss, the promoters of a small firm could los [print this page] In case of a large loss, the promoters of a small firm could lose not only their business but their collateral too, if the business is not insured. On the other hand, larger companies will simply absorb that loss and www.enjoypatrickresponsibly.com move on.* There is also a small segment of SMEs operating in specialised segments such as clinical research, where liability insurances are a priority. "An example of an underutilised standard product is term insurance.