Sign up for various listings such as: google maps/local, yahoo local, msn live local, yellow pages, superpages, etc... basically google your top keywords and see where your competition is coming up off site.
hire a ghost writer to write your blogs, link youtube videos with the same tags, paraphrase ezine articles that you can search for on the topics of your particular brand(s) of insurance. Jeff Wild knows some ghost writers, get in touch with him.
I could be wrong but i was talking to a website designer and seo guy last night, and you can link youtube videos that have tags (of course), embed them into your blog or site, and the tags are counted when the spiders run their search, every little bit counts.
hope that helps ox