September 2013 Rough Notes magazine

FEATURES

Marketing Agency of the Month:
Building relationships "from the heart"
Desire to "partner" with clients leads Jeff and Maureen to strike out on their own.

Technology:
Avoiding the crosshairs
Travelers' new cyber insurance product helps bullet-proof small businesses.

Benefits Agency:
Flattening the cost curve
Indiana agency offers employers more control over their benefits costs.

Marketing:
Renewable energy: Big risks, smart solutions
PER se, a unit of Ryan Specialty Group, brings skill and savvy to this challenging market.

Other Feature Stories:
Immigration reform has ramifications for agents
Legislation could broaden the market for auto, HO and other products.

Raising the level of claims performance
Sedgwick takes proactive, outcomesfocused approach to managing claims.

Establishing a safety culture: Key success factor
Tips for agents and brokers to share with their contractor clients before the project begins.

The new rules of benefits communication
A playbook for helping your clients craft and deliver targeted messages to employees.

*Special Section sponsored by Target Markets Program Administrators*
The State of the Association Getting Business Done
The Life Cycle of the Program Manager
Target Markets Women's Networking Group
The Strong Case for Program Administrator/MGA Cyber Protection
We've Come a Long Way, Baby A preview of the upcoming TMPAA research on the Program Business Market
Program Administrators	Carriers	Vendors
AmWINS Underwriting Breckenridge Insurance Group Brown & Brown Insurance Condominium Insurance Specialists of America, Inc. Distinguished Programs EverGuard Insurance Fox Point Programs Fulcrum Insurance Programs Glatfelter Insurance Group GMI Insurance Intellectual Property Insurance Services Corporation (IPISC) Irwin Siegel Agency, Inc. McGowan Program Administrators McKee Risk Management, Inc. NBIS New Empire Group, Ltd. Norman-Spencer NSM Insurance Group Oryx Insurance Brokerage, Inc. Pak Programs Quaker Special Risk Risk Placement Services (RPS) Rockwood Programs Special Markets Insurance Consultants Sports & Fitness Insurance Corporation Trinity Risk US Assure Willis Programs World Wide Specialty Programs	AIX Group Berkley Underwriting Partners Great American Insurance Group Markel Programs Munich Reinsurance America Philadelphia Insurance Companies QBE Tower Group Companies Western Heritage Western World Programs Zurich Programs	COST Financial Group, Inc. Epic-Premier Imperial PFS Insure Learn Oak Street Funding ReSource Pro Target Programs