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Insurers must understand how consumers shop and what attracts them to a brand.

Rates increase as more businesses use insurance to manage cyber risk.

Carriers offer some level of online capability for commercial customers and prospects, but functionality varies. Complexity with state laws and rating procedures add to the challenge of online sales.

Small businesses rely on independent agents and brokers who act as risk advisors and have a deep understanding of their businessesand rank insurers on the breadth and quality of their policy offerings, according to the J.D. Power 2013 U.S. Small Business Commercial Insurance Study.

Allstate's Esurance is now offering direct-to-consumer online HO policy sales in Wisconsin.

Allstate's Esurance is now offering direct-to-consumer online HO policy sales in Wisconsin.

Small businesses value interaction with agents and strong policy offerings from insurers.

In the interest of learning from regular Joe insureds across America their thoughts and opinions on the insurance experience, NU asked a sample of carrier customersour friends and familiesabout the decisions that factor into their purchase decision (price? advertising?); whether a relationship with an insurance agent is important to them;...