Small businesses account for 99.9% of all firms in the U.S., according to the Small Business Administration (SBA), which leads to quite a bit of demand for small commercial insurance policies. An emerging trend among small-business clients is growing dissatisfaction with "soft skill" services, such as interaction with agents and proactive outreach, which have historically been areas of strength for the industry, according to Robert M. Lajdziak, senior consultant of insurance intelligence at J.D. Power. "There's also a trend in which small-commercial customers spend three times more effort interacting with their carrier on the website, on the phone or with agents," Lajdziak said in a release. "The largest declines in the study are among customers who had workers' comp coverage or commercial auto policies. Carriers will want to pay particular attention to customers with these types of policies." The above slideshow highlights the best commercial insurers for small businesses, according to Forbes Advisor. The SBA reports its definition of a small business varies by industry, particularly when considering size standards.