There are more than 30 million small businesses in the United States today. They play a crucial role in the American economy and as a result, create a huge market opportunity for small commercial insurers today. However, with major technological innovations, changing customer expectations and increased competition, carriers being able to identify and take advantage of that opportunity is more challenging than ever before. Luckily, with these challenges come opportunities for small commercial insurance carriers to gain a competitive advantage, according to a new study by LexisNexis Risk Solutions.