We've written quite a bit over the past year about direct writers and how insurers are not necessarily looking to get rid of the middle man in the insurance deal, but are seeking alternate ways to deliver products and communicate with their customers, the policyholders that purchase their products.

While much of this discussion has centered on personal lines products, Deloitte got some people thinking differently when they issued a report that discussed what the consultant believes will one day become a trend in the insurance industry—direct writers for small commercial lines products.

Such talk often brings out the doomsayers that have been predicting the demise of independent agencies for years, but that is really far from reality. There is no doubt that agencies face challenges to their very existence, but no matter how much some consumers think they know it all, one simple insurance mistake can be costly for consumers in the long run.

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