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To remain competitive in commercial insurance, independent agents should focus on a niche industry and become the expert in that market. (iStock) To remain competitive in commercial insurance, independent agents should focus on a niche industry and become the expert in that market. (iStock)

How likely are you to travel two or three towns away to go to a supermarket to do your weekly grocery shopping, when there is a fully stocked store right in your neighborhood? Not likely.

But what if you wanted to try making your own sushi and needed special ingredients? In that case, you probably would travel out of your way to a specialty food store.

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