The news at the end of 2011, confirming a very marginal increase in the costs involved in running small businesses, was well received by many owners of small companies and their HR payroll personnel. Whilst the third quarter of the year, from July – September 2011, saw a 0.05% small business inflationary increase, the final quarter, from October – September 2011, witnessed it rising by only 0.031%.

If you’re new to the world of business, you might not have encountered shopping for business insurance before. You’ll no doubt be familiar with shopping for car and home insurance, since most people take out those policies,