“…This study, therefore, explores and critically analyses the factors driving the uptake (and non-uptake) of insurance among SMTHEs in Ghana, a Sub-Saharan African country that has been experiencing steady growth in its H&T sector within the last decade but is plagued by resource scarcity, mismanagement and high levels of debt, a situation that is observed across other countries in the region (Calderon, Kambou, Korman, Kubota, & Cantu, 2019;Deloitte, 2019). The study unpacks the risk related issues, firm characteristics, structural and contextual issues, as well as other coping mechanisms that play a role in SMTHEs deciding to take up insurance or otherwise.…”