If you are a well-established business, particularly one in a sector that is a little gritty or niche, you may be suffering a little heartache as we approach Valentine’s Day.  If you are a newish business, you may not have experienced the right sort of love at all.  In either case, the love you are missing or lacking is that of a dedicated local  commercial insurance broker.  Many local brokers have disappeared off the map, swallowed up by big insurance conglomerates, often with American or overseas ownership.  As a result, many businesses, whether in manufacturing, engineering, professional services, transport and distribution, property, or something else, have lost the personal insurance service that made such a difference.