As many as half of small-business insurance consumers are open to the idea of buying at least one of their property and casualty coverages directly from a carrier over the Internet, without having an agent or broker shop for them or advise them, a new study by Deloitte has revealed.
Direct sales of personal auto insurance over the Web has been a viable distribution platform for a number of years, keeping the heat on agents and brokers to demonstrate their added value if they want to retain, let alone expand their market share.
However, Deloitte's research indicates that a day of reckoning for intermediaries — as well as for those insurers who depend on them exclusively to distribute their products — might similarly be looming sooner rather than later in the small-commercial market, as carriers begin to seriously explore the potential for reaching buyers via a one-stop, Web- or mobile-based transaction.
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