Table of Contents 


September 2013 Rough Notes magazine


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.

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.

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



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.


New Empire Group, Ltd.


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


Tower Group Companies

Western Heritage

Western World Programs

Zurich Programs

COST Financial Group, Inc.


Imperial PFS

Insure Learn

Oak Street Funding

ReSource Pro

Target Programs



Winning Strategies—What's holding you back?
By Roger Sitkins

ISO Products Perspective—Big data and small businesses
By Shawn E. Dougherty

Agency Financial Management—Transition planning: Don't "wait and see"
By Rick Dennen

Risk Management—Habitational limits on construction activity
By Donald S. Malecki, CPCU

Benefits Business—Boomers ask: Will I have enough?
By Len Strazewski

Internet Marketing—Is an image worth a thousand words online?
By Adam DeGraide

Enterprise Risk Management—Still swimming upstream?
By Michael J. Moody, MBA, ARM

Public Policy Analysis & Opinion—The gorilla grabs top bananas from the 57 monkeys
By Kevin P. Hennosy

Beyond Insurance—Understanding your emotional intelligence (EI)
By F. Scott Addis, CPCU, CRA


Court Decisions

Centuries of Rough Notes (Flipbook)

Rough Notes Staff