Small businesses rely on independent agents and brokers who act as risk advisors and have a deep understanding of their businesses—and rank insurers on the breadth and quality of their policy offerings, according to the J.D. Power 2013 U.S. Small Business Commercial Insurance Study.

Based on responses from nearly 4,000 insurance decision makers at small companies (those with fewer than 50 employees), the inaugural study examines overall customer satisfaction, insurance shopping and purchase behavior among these buyers.

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