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Nine in 10 small and medium-sized enterprises in Indonesia have not thought about insurance, even though data from the Indonesian Entrepreneurs Association show that SMEs do not have a way to protect their business, Asia Insurance Review reported citing Pikiran Rakyat. "The risk of disasters faced by business actors is very high, especially for small and medium enterprises which often face higher challenges and risks than big companies, especially on the capital side and dependence on owners," said Wirahadi Suryana, corporate and commercial director at Zurich Insurance Indonesia P.T.