1. You feel comfortable analyzing your own risk and setting your own limits. You feel that you will need no input from an insurance professional to accurately make these decisions.

2. As a business owner, you understand all the risk exposure ramifications that you have incurred from signing various contracts and leases.

3. You understand who will be handling your claims and where to go for this service in the event of a loss.

4. You want to deal directly with the insurance company.

But, if you don't feel that you can buy insurance from the internet, how can you use this tool in the marketplace?

1. Use the web to research your agent and insurance company. Do they have a website and does it reflect the services and insurance that you require?

2. Does it reflect the expertise that will be needed to handle your account?

3. Use it to obtain the basic questions that you will need to answer when you visit with your agent.

4. Use it to request further information for research.