Leo’s hands were always covered in flour by 3:00 AM. His bakery, The Golden Crust , was his life’s work—a small shop filled with the scent of rosemary bread and the hum of industrial ovens. For years, Leo had operated on a wing and a prayer, terrified that one slipped tray or a burst pipe would end his dream.

"Worse," Leo sighed. "I'm waiting for a lawsuit or a repair bill I can't afford. The big insurance companies won't even call me back for a quote this small."

One Tuesday, a local contractor named Sarah came in for her morning espresso. She noticed Leo eyeing a leaky valve on his steam oven with visible anxiety.

Sarah tapped her phone. "Try Next Insurance . I used them for my carpentry business. It’s all digital—I got a certificate of insurance while I was literally standing on a job site."

That night, between batches of sourdough, Leo pulled up the site. He didn't have to talk to a suit in a high-rise; he just entered his profession and shop size. Within ten minutes, he had a policy tailored for a baker.

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