There is a big opportunity that many insurance providers are missing. Micro, small and medium enterprises (MSMEs) currently make up around 90% of businesses worldwide yet, despite being vulnerable to risks that could impact their livelihoods, very few have insurance. For example, in sub-Saharan Africa just 2% of MSMEs have insurance. And, in most cases, it is personal rather than professional insurance. This leaves a gap – a “missing middle” – that inclusive insurance...