Small Business Direct-to-Customer Insurance
Small Business Direct-to-Customer Insurance
New direct digital channel for small-business owners (5–50 employees) offering streamlined BOP, GL, and workers' comp under a single quote-to-bind flow. Targets the sub-$10K-premium SBO segment that our agent channel cannot serve profitably. Includes risk-based pricing, instant decisioning for ~70% of applications, and lightweight underwriter-assist for the rest.