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Direct sales to consumers of personal-lines products has been a major Auto and Homeowners insurance distribution platform for years, keeping the heat on independent agents and brokers to prove their added value if they want to retain market share. However, a day of reckoning on small-commercial business could be looming...

Direct sales to consumers of personal-lines products has been a major Auto and Homeowners insurance distribution platform for years, keeping the heat on independent agents and brokers to prove their added value if they want to retain market share. However, a day of reckoning on small-commercial business could be looming...

Insurance companies have struggled to maintain a positive image for customer service, but it turns out that carriers might be doing a better job than banks, at least in keeping small-business consumers satisfied.

After enduring a catastrophe-filled 2011, small and regional carriers emerge wiser and committed as ever to the personal-service edge they enjoy over their larger competitors.