Table of Contents 



August 2013 Rough Notes magazine



Agency of the month:
The power of partnership
Internal referrals are a big part of this bank-owned agency's success.

Specialty Lines Markets:
Unlocking the door to vacant buildings coverage
Marketing & risk management tips for personal and commercial vacant properties.

Big ideas for small business insurance
BizInsure's 10-minute process offers consumers instant access
to multiple quotes, policy issuance.

Benefits Agency:
Smart strategy specialists
New York firm's Employee Benefits Management Group
generates 40% of total agency revenues.

The manufacturing sector: Strong growth results in more risks
Putting wisdom to work.

Other Feature Stories:
Aviation opportunities exist despite grounded rates
Specialists can help take the fear out of aviation insurance.

Cyber liability: Small business, big exposure
With a threefold increase in attacks on businesses with under
250 employees, agents must protect their clients

Latin America's promising potential
Insurers see strong growth prospects if they can overcome regulatory hurdles

Critical illness coverage: Who needs it?
Sun Life survey shows fear of illness's financial impact outweighs fear of dying

30 years of stable growth
Keystone Insurers Group prepares to enter ninth state,
maintaining its original principles

Excess flood
Flood coverage limits are often too low for most property owners



Winning Strategies—The responsibility of ownership—Team up to perpetuate
By Roger Sitkins

Agency Financial Management—The new era of acquisitions—You have four ways to respond—which will you choose?
By Rick Dennen

ISO Products Perspective—Do you recall that product withdrawal?—Coverage is available to protect against potentially huge losses
By Ron Beiderman

Customer Service Focus—Challenges in going from soft market to hard market—Despite market cycles, there is at least one constant
By Jackie Honomichl, AINS

Risk Managers' Forum—Workplace violence protection—An agent has the responsibility and the resources to mitigate the risk of violence
By Mark Reilly, CIC, CRM, CPCU

The Innovative Workplace—HR Insights from the world of sales and marketing—Applying successful marketing and sales strategies to employee relationships
By Don Phin

Internet Marketing—Put time back on your side—Get the entire staff involved in your agency's online marketing plan
By Adam DeGraide

Benefits Products & Services—Generation transition—The Hartford focuses on the future with outreach to Millennials
By Thomas A. McCoy, CLU

Public Policy Analysis & Opinion—18 U.S.C. section 1001—You cannot fool Mother Nature and you cannot lie to the IRS—legally
By Kevin P. Hennosy

Risk Management—Risks from tenants' questionable activities—New ISO endorsement excludes losses from renters' "by-products"
By Donald S. Malecki, CPCU


Court Decisions
Centuries of Rough Notes
Rough Notes Staff

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