Cold calling still proves to be successful, especially with small businesses that operate in your area. Small businesses are required to have insurance to cover business and employee risk factors. For this reason, your offering might be exactly what they need. Some prospects might already have insurance or might not need it, but it does not hurt to call and ask if you can give them a quote. It gives you more practice and experience dealing with small business owners so you can perfect your speech with other prospects who really do need your product.