Say you’re an independent agent or broker in a community in any region of the United States. For years, you’ve been working with businesses of all sizes in your area — helping them obtain the commercial insurance they need as they grow and expand.

You’ve known one client, the owner of a manufacturing firm, since he started his business. Over the years, the firm has grown and expanded. In that time, while the owner has worked with suppliers and distributors in the U. S., he now interacts with firms in other countries as he builds an international clientele. E-commerce drives much of the business and has opened up global opportunities.

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