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January 30, 2017updated 10 Jul 2017 4:05pm

Research wire: targeting SMEs for cross-selling insurance opportunities should pay off

While many brokers focus on servicing consumers’ insurance needs, they could be missing a trick by not trying to persuade business owners and finance managers to come to them for their personal insurance, according to research from GlobalData.

By Patricia Davies

While many brokers focus on servicing consumers’ insurance needs, they could be missing a trick by not trying to persuade business owners and finance managers to come to them for their personal insurance, according to research from GlobalData.

GlobalData’s 2016 UK SME Insurance Survey found that 11% of those responsible for arranging the insurance for their business use the same broker for their personal needs.

As SME includes businesses that range from the self-employed to those with up to 250 employees, we are dealing with the business owner up to a finance director, who is likely to have a wide range of insurance needs and could be an affluent customer.

 

 

While 11% may seem a small opportunity, it is worth remembering that SMEs make up a significant proportion of the UK economy. The Department for Business, Energy & Industrial Strategy (BEIS) reported a total of 5,389,450 SME organizations operating in the UK in 2015, which means that nearly 600,000 SMEs bought their personal insurance from their company broker.

This offers a real opportunity/competitive advantage to those brokerages that offer a service which crosses commercial insurance with general insurance and life assurance. They are in a position to capitalize on an established relationship where they have already demonstrated good service and expertise, so taking the next step should be easy.

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