Integrate systems. Simplify the business process. Improve the profit. That's what commercial agents need from their insurers.But they aren't getting that kind of support, particularly for small commercial coverages that generate 10% or less in commission, says Donald E. Martin, founder and former chief executive officer of Cal- Surance in Orange, Calif., one of the nation's 50 largest agents and brokers and now founder of EPolicy.com.

The problem isn't the complexity of the coverage, he explains. It's the lack of efficiency in the manual marketing and delivery process. And the solution may be a combination of automated underwriting along with the powerful communication technology of the Internet.

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