According to Insureon, three out of four American business owners are underinsured. (Shutterstock) According to Insureon, three out of four American business owners are underinsured. (Shutterstock)

In the not-so-distant past, a business owner's only option for purchasing insurance was to physically travel to a local agent's office to discuss her options. The agent, often associated with one major carrier, would either find coverage based on available policies or send the owner off to another agent in the area if there were no viable coverage options.

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