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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.

For Busy Businesspeople, a Simple Solution

Small businesses don’t have CFOs, risk managers, or dedicated insurance buyers. Often staffed by just an owner and a few employees, these companies have found it difficult to navigate the complexity of traditional commercial lines insurance products. Policy applications and underwriting processes, designed for large accounts, don’t lend themselves well to self-service or online sales.  

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