The way insurance is delivered to micro and small businesses is undergoing a significant transformation. Traditionally treated as a single category, small businesses actually vary widely in size, complexity, and needs. InsurTech Amplified welcomed Jack Ramsey, VP Agent Channel at Next Insurance to investigate the evolving relationship between agents and digital carriers.
Recognizing this evolution, leading insurers are shifting away from a one-size-fits-all approach toward more tailored, segmented strategies. At the same time, digital tools are redefining how agents work—automating simple processes like quoting and servicing so agents can focus on high-value customer interactions. This shift is not just about technology, but about rethinking how efficiency, accessibility, and trust can coexist in a modern insurance experience.
These changes also reflect a broader generational and cultural shift. Both agents and small business owners are increasingly digital-first, expecting fast, seamless, and flexible interactions that match their everyday consumer experiences. The result is a growing demand for self-service options, intuitive interfaces, and faster product development cycles. Insurers that listen closely to agents and customers—and build around their evolving needs—are finding new ways to serve traditionally underserved segments. The future of small business insurance belongs to those willing to challenge legacy thinking and redesign from the ground up.