Robo advisors could be programmed to explain basic coverage terms and conditions, review adequacy of deductibles and limits, and check on a claim's status. (Graphic provided by Deloitte.) Robo advisors could be programmed to explain basic coverage terms and conditions, review adequacy of deductibles and limits, and check on a claim's status. (Graphic provided by Deloitte.)

Small-business insurers may be able to differentiate in an increasingly commoditized market by offering more proactive risk management services, a Deloitte Global survey has revealed.

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