If technology has taught us anything over the last decade it’s that we can’t expect things to stay the same indefinitely. A recent study by the Deloitte Center for Financial Services gives us another item to check off on the list of changes in the insurance market: online direct sales of small commercial lines insurance products to consumers.

Many of the leading personal lines insurers have been selling direct to consumers for years and companies like GEICO and Progressive have risen to the top of the personal auto market. But commercial lines coverages have always been considered a different animal.

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