Small firm - big ideas

The competition to supply small and medium-sized enterprises with the insurance they need is intense. Nicolle Farthing explains how the drive for innovation and service is changing the market

Traditionally, the categorisation of personal and commercial insurance has always been distinct - but the needs of time-pressed small and medium-sized enterprises for packaged cover is seeing the line become increasingly blurred.

Usually, insurers segment the commercial market according to industry, size of business and location. For example, Zurich is set up to accommodate the needs of small businesses right through to global companies. It has a number of commercial units: Zurich London, Zurich

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