A terrific read on how the Insurance Agent is going to get disintermediated. It is not without warning though, given the painful buying process and commoditized nature of insurance products. Consumers and SMBs alike derive little intrinsic joy from shopping for insurance.
Any business generally needs to purchase upwards of 5-7 different types of insurance to get started. These policies are typically sold over the phone, through PDFed documents with a similarly clunky claims management process. Compounding the problem, carriers of commercial lines are more regional and fragmented, so corporations often have to herd cats to purchase adequate coverage.