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Small Business Direct-to-Customer Insurance
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Initiative name
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Short description
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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.
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