1) Need ability to sell referrals for insurance. I don't know how you track purchases that are made as result of your site, but this is where the big money would be.
2) I would like to build on idea of warehousing house inventories for insurance certification. We could build database online that customers can directly enter their inventories. We would need security to protect customer's data from potential thieves. We could also provide video and picture uploading capability as further proof of items.
3) We could also offer blogging for insurance questions
4) We could store the customer's insurance policies for house, auto, life, boat, etc.
5) We will need the ability to retrieve customer data, real-time insurance quotes and send information regarding a referral program.