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There are 28 million small businesses in the U.S., and more than 90% of them have fewer than four employees. Each of these businesses is different, but all of them have at least one thing in common: a need for affordable, quality insurance coverage.

That need makes small and start-up business a big market opportunity for growth-focused P&C insurance companies. However, many insurers—encumbered by legacy systems, processes, and distribution strategies—simply aren’t able to serve this market efficiently or cost-effectively. Success in sales of insurance to small business requires delivering business owners simplicity, convenience, and quality through a direct distribution model.

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