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June 2004

COVER STORY
Doing the right thing every day
Philosophy leads to success for this Sherman Oaks, California, agency.

FEATURES
Good news in health care?
With comp and group health in meltdown, wellness programs offer mitigation.
Injury to college athlete can eliminate hope of pro career
NCAA's disability coverage insures student-athletes with pro potential and provides coverage for 360,000 others.
Rockwood hones its EPLI program
Company offers "flagship" product along with workflow innovations.
The clock is ticking
As expiration of the Terrorism Risk Insurance Act looms, industry leaders seek solutions.
HSB offers online rating for equipment breakdown
InstantQuote quotes and binds most coverage in five minutes.
Tough comp classes, smart solutions
Retailers gain mid-market savvy from Gallagher's Artex/Innovative Risk Services.
Employment practices liability insurance
EPLI market is in level pricing mode.
How's the weather?
When weather's a factor or an event is special, WKF&C has answers.
Higher education
Chubb's producer school enhances skills with real life practice.
Home sweet home-based business
Survey shows most home-based businesses not adequately covered; many agents and companies have yet to discover this growing market.


ADVERTISERS INDEX

COLUMNS

Public Policy Analysis & Opinion
Chairman Oxley's triptik for summer travel By Kevin P. Hennosy
Classifying Risk
Let the fun begin By Linda D. Ferguson, CPCU
Benefits Business
Employee benefits for smaller accounts By Len Strazewski
Risk Management
Examining the latest round of proposed CGL form changes By Donald S. Malecki, CPCU
Agency Financial Management
Agency growth--reacting to opportunity By Paul J. Di Stefano, CPA, CPCU, and Thomas Pepe
Critical Issue Report
Déjá vu--all over again By Michael J. Moody, MBA, ARM
Enterprise Risk Management
ERM and value creation By Michael J. Moody, MBA, ARM
Boosting Sales Efficiency
Ask the right questions By Michael Jans
Producer-Related Issues
Staying in touch By Michael J. Weinberg
Growth Strategy Review
Information security is critical to risk management By G. Edward Kalbaugh
Customer Service Focus
What's your communication style? By Lynn DellaCroce, CIC, CPIW
Winning Strategies
Accelerating agency momentum By Roger Sitkins
Lessons in Leadership
"I wish my boss would read this" By Robert L. Bailey

DEPARTMENTS
Court Decisions
Insurance Market Update
Ownership Changes
Centuries of Rough Notes
Rough Notes Staff
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