The workplace environments of most SGBs are riskier, on average, than those of larger enterprises.

Small companies tend to be vulnerable to income loss prevention during an economic crisis such as Covid 19 pandemic (biological hazard), in part because they have fewer resources with which to adapt to a changing context. Development of a business continuity plans and acquiring business insurance helps to replace lost business income if SGBs are unable to open their business on a temporary basis due to a loss covered by the policy, such as a fire or theft.