Open to ideas from HN too :)
Work with the brokers (and reinsurers if possible) and go after the carriers. Follow the Zillow model instead of Zenefits.
Edit, more:
Businesses want to work with established P&C brokers, and brokers have ensured (in most states) that they have to anyway. Provide the right data-driven SaaS tool that gives brokers the power to sell/renew better. Offer it for free unless it converts but require reporting conversions, then charge a percentage. You could call up brokers and they would all try it out. Then focus on solving boring, mostly statistical, problems in an elegant way behind the scenes.
I feel safe to say that most people consider that boring work for a boring business.
I personally don't need to work on "interesting" stuff.