Entrepreneurs increasingly use AI for business insurance research

A survey of 501 small business owners conducted by ERGO NEXT indicates that entrepreneurs are increasingly utilizing artificial intelligence tools for insurance research. Approximately 36% of respondents have used AI chatbots or search tools, such as ChatGPT or Claude, to explore business insurance options. This usage rate now surpasses the rates of consulting other business owners (33%) and traditional insurance agents (31%).

Despite the rise in digital tool usage, the data suggests that AI is acting as a complement to rather than a replacement for human expertise. Among entrepreneurs who have used AI for insurance advice, 94% report trusting the information provided, and 31% stated they trust the AI information more than other sources. The findings suggest a collaborative future where technology supports professional guidance by combining speed and accessibility with human judgment.