Small-business owners have become unusually popular in recent months,particularly with online insurance brokers looking for a new marketingniche.Web sites such as, and areoffering business owner policies, workers' compensation, contractors'liability and professional liability coverages to what some observersbelieve is a $50 billion market.

"Small business is an area that is very well adapted to Internet-basedcommerce," says Todd Eyler, a senior analyst with Forrester Research,Cambridge, Mass. "It's not a well-covered area by the insurance agent andbrokerage community, largely because it's inefficient to reach thecustomers."

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