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As many as half of small-business insurance consumers are open to the idea of buying at least one of their property and casualty coverages directly from a carrier over the Internet, without having an agent or broker shop for them or advise them, a new study by Deloitte has revealed.

Direct sales of personal auto insurance over the Web has been a viable distribution platform for a number of years, keeping the heat on agents and brokers to demonstrate their added value if they want to retain, let alone expand their market share. 

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