Patent ID: 7203734

Claim:
An apparatus structured to select a business insurance carrier from a plurality of insurance carriers, the apparatus comprising: an Internet receiver; an Internet transmitter; a memory device; a web page generator operatively coupled to the Internet receiver, the Internet transmitter, and the memory device, the web page generator being structured to transmit a first web page to a client device via the Internet transmitter, the first web page including a standard industrial code (SIC) prompt and a zip code prompt, the web page generator being further structured to transmit a second web page to the client device via Internet transmitter, the second web page including a kill question; an insurance carrier determination module operatively coupled to the Internet receiver and the memory device, the insurance carrier determination module being structured to select the plurality of insurance carriers from the memory device based on a standard industrial code and a zip code input in the first web page at the client device and received via the Internet receiver, the insurance carrier determination module being further structured to select a candidate insurance carrier from the plurality of insurance carriers based on a kill question response input in the second web page at the client device and received via the Internet receiver; and a kill question selector operatively coupled to the memory device, the kill question selector being structured to retrieve the kill question from the memory device based on at least one insurance carrier in the plurality of insurance carriers.