Coverage required is dependent on the daily/weekly/monthly exposure of the business itself to external risk, and the limit requirement relies on how the business is conducted. Take for example of a small grocery shop vs a mega mall with multiple Point-of-Sale (POS) counters. The exposure of grocery shop is relatively small as there might just be a single POS point and daily sales takings is smaller than the mega mall. However, if the mega mall reconcile the daily takings and deposit the earnings to the nearby bank on a daily basis, its exposure is limited to a single day revenve in the event of a robbery. On the flip side, the small grocery shop may instead reconcile the earnings on a weekly basis, hence exposure is heightened and a higher amount of coverage would instead be appropriate in this scenario.
The nature of the business is also to be considered when customising the coverage levels. A money changer whom trades currencies is more prone to risk than a business that accepts electronic payment modes