Small business advocate SBO Online provides a range of services and products for home and small businesses, pooling its member base to achieve significant discounts. SBO Online’s Insurance Policy Enforcement service provides assistance both in purchasing insurance and in filing claims. Unaffiliated with brokerage firms or insurance companies, SBO Online’s consultants prepare coverage evaluations, present claims to insurance carriers, and enforce compliance by insurance providers without resorting to costly litigation proceedings. For small or home businesses in need of contractors, SBO Online maintains a national network of pre-screened professionals, vetted through SBO Online’s 10-point screening process. Upon receiving a member’s contractor request, SBO Online distributes the pertinent information to qualified professionals by e-mail, telephone, fax, or text message. The member is then presented with a choice of contractors pre-approved by SBO Online. Furthermore, SBO Online provides several risk mitigation tools for its members. SBO Online offers credit reports, debt-to-income analyses, check guarantee services, check recovery services, debt collection services, and comprehensive legal services. Affiliated with 9,000 attorneys, SBO Online members can solicit assistance in all types of law, from immigration proceedings to small claims court actions and dispute mediation. SBO Online has also negotiated significant product discounts for its members, including over 200 items at Office Depot offered at below retail cost, as well as supplementary healthcare benefits such as dental, vision, pharmacy, and chiropractic care.