Personal lines insurance is clearly enjoying a high-profile media life lately, with a seemingly endless and ever-present cast of anthropomorphic amphibians, cartoon insurance action heroes, urbane Neanderthals and hyper-friendly cashiers who effortlessly pull your insurance needs neatly boxed and gift-wrapped off a shelf.
Meanwhile, commercial lines continue to toil in a decidedly less visible realm. But the exploits of its popular personal lines cousin have created an impact that is finding its way to into the commercial ranks.
Beyond the obvious impact of the Internet and the comfort the general population now has with buying in that medium, the personal lines "easy" pitch is largely driven by data. Quickly type in your name, address and birth date, and off you go, almost instantaneously, to a virtually fully formed quote.
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