BOSTON – A recent report released by Celent Communications, entitled Web-Enabling Small Business Insurance Policy Origination, looks at the potential for selling small business insurance online and six of the new companies that are enabling the market. According to the report, with average annual insurance spending of $2,000 each, upper SOHO businesses in the United States represent an $11.4 billion market for carriers and agents. "Unlike some of the early consumer web insurance plays, small business web initiatives are about making the agency model more efficient, not displacing it," said Celent Analyst/Author Matthew Josefowicz. Celent predicts that 30% of the Upper SOHO market will buy business insurance through online channels by 2005, generating $3.8 billion in premiums.