As a multi-line agency we know profitable business comes from multi-lining accounts.  The process of multi-lining your business is usually NOT done exclusively through your web site. In fact if you want to avoid problems in your agency, I sincerely believe that the role of your web site, in the selling process, should be limited to prospecting, and never in closing a sale.  In my opinion if you allow new account sales transactions to occur in your web site you’re doing your client, and not to mention yourself, a disservice.  Sales that occur without the assistance of you, the trained professional, have a terrible track record for retention, losses, and increased E&O claims potential.  Can you say, Bye, Bye contingency bonus?