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August 1999

COVER STORY

Extreme service
The Addis Group boasts high retention and hit ratios.

FEATURES
Working with schools to help prevent violence
Agent can play a role as risk manager and concerned citizen.
Alternative market pioneer
Meadowbrook Insurance brings risk management expertise to clients of all sizes.
Michigan Millers refocuses on service
Agents see a difference as small insurer's employees buy into service initiative.
It's about time!
"Real-time insurance" leverages new technologies to wring inefficiencies out of small commercial new business transactions.
Testing 1...2...3...Testing
Employee testing helps determine sales aptitude, as well as service and consultative skills.
ISO's CGL excludes known injury or loss in progress
Consequences of California court case are apparent in ISO CGL mandatory endorsements.
Helping agents penetrate the retirement market
How the "benefits" accrue to producers.
New Internet delivery methods alter debate over insurance sales
Digital technology and Cable TV delivery could facilitate consumer access.
Middlesex Mutual gets high marks from agents
Paying more than lip service to quality.
Trucking market looks to tighten in the long haul
Are some insurers preparing to "head South"?
Alternative medicine an emerging market
St. Paul will try to capitalize on the opportunities in fast-growing field.


ADVERTISERS INDEX

DEPARTMENTS

Court Decisions

Regional Target Markets

Region 1
Region 2
Region 3
Region 4
Region 5

Insurance Market Update
Agents' E&O Claim Analysis
Rebuilding Cost Chart
Centuries of Rough Notes


COLUMNS

Personal Lines Selling
By Troy Korsgaden
Managed Marketing
By Kimberly Paterson
Risk Management
By Donald S. Malecki, CPCU
Young Agent Forum
By William T. "Tommy" Adams, CPCU
Agency Financial Management
By Paul J. DiStefano, CPA, CPCU, and G. Edward Kalbaugh, MBA
Coverage Concerns
By Roy C. McCormick
Agents Council for Technology Action Report
By Len Brevik
Client Nurturing
By Jim Cecil
Agency Marketing Technology
By Steve Anderson
PF&M Companion
By Diana Kowatch, CPCU, AU, AAM, CPIW
Rough Notes Staff
Reprints