Re: Website Advice
Don't buy a template. Get someone to design it for you, expect to pay $1000+. Make sure the site is a CMS and you get training. You don't want to pay someone to update your site when you or your assistant/employees can do it with a browser.
Decide what features you want. a calendar, blog like features, polls, etc.
Discuss SEO (Search Engine Optimization) any edge you can get to give you better rankings on google. 10 clients signed via the web will likely pay for your site.
See if there is existing insurance/web software. Use Craft Syntax's Live Help to interact with web visitors.
just a few thoughts. PM me if you have any other questions.
"don't end up with a grandson with a dog collar."