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While the insurance broking industry continues to disregard the risk posed by direct writers and affinity players in the small to medium-sized enterprise (SME) market, it leaves itself vulnerable to an imminent shift online.

The UK commercial insurance market is worth somewhere in the region of £22bn in gross written premium. Of that, £9bn comes from SME firms with up to 50 employees, making the SME commercial market incredibly attractive and, to date, placing it firmly within the realms of the

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