It is anticipated that the next twelve months will see further increases in the number of small to medium size (SMEs) business arranging their commercial insurances online. Whilst at the higher end of the markets businesses paying premiums in excess of £50,000 are unlikely to benefit from the ever increasing move towards e-commence smaller to medium sized companies are definitely benefiting from the growing product range and ease of transaction that the internet is now offering in the fields of commercial, liability, professional indemnity and directors and officers insurance.