Posted On: December 5, 2008, 8:28 am CST

Posted By: Anon

Nothing really to "pass on"... the shrinkage is already built into policies. The story says that exposure is down this year so, if anything, companies could feel compelled to lower rates - of course, considering how much many companies have lost writing off losses from bad investments I doubt we'll see premium decreases on a major scale.

But... since you asked... who do small businesses pass lost revenue to? They pass it to consumers the same as big businesses - at least if they want to stay in business. Costs associated with every theft, fraud, shrinkage, write-off, etc from every business no matter the size transfers that loss to the consumer by building the expense into the cost of the goods or services they provide.