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September 2002

COVER STORY
Committed to independence
Mahoney Group perpetuates internally and grows to $25 million in revenue.

FEATURES
Role of coach critical to success of new producer
Case histories demonstrate value of mentoring inexperienced insurance producers.
Agent of change
Dirk Fournier is setting--and meeting--high standards for himself and his agency.
Online apps and quotes for E&O
E.L.M. offers special Web site for professional liability and E&O coverages.
No boundaries
Health care coverage goes global with IMG.
Med mal in crisis mode
The medical malpractice liability crisis proves to be fatal for some insurers and opportune for others.
D&O: Hard and getting harder
Accounting scandals add to woes of an already troubled market.
Rapid response
SilverPlume's Sage product is fortified by online access to ISO materials.
Trade group endorsements for every specialty
Lighthouse Underwriters offers programs only for markets that want them.
"Hire for attitude, train for skills"
Whether you "build your own" talent, or create an in-house college of insurance knowledge, training is vital to the future of your agency.
Opportunity knocks
Offering a health insurance solution to clients can make you a hero.
National Alliance promotes "professionalism through education"
The National Alliance of Insurance Education and Research has five programs that have attracted over 100,000 professionals.
Pay for play
Security measures and rate increases take some of the fun out of recreational risks.
Horse sense: Insuring equine-related risks
From ranches to racehorses, from crops to cattle, Fredricksen Insurance has markets and know-how.
Fortis foresees rapid growth in voluntary benefits
Choices, flexibility in voluntary product line create opportunities for P-C agencies.


ADVERTISERS INDEX

COLUMNS

Risk Management
Who is an insured By Donald S. Malecki, CPCU
Agency Financial Management
Resolving owner conflicts By Paul J. Di Stefano, CPA, CPCU
Benefits Business
Debit cards ease FSA burden By Len Strazewski
Agency Marketing Technology
Finding prospects by using the Internet By Steve Anderson
Classifying Risk
Covering contractors--part two By Linda D. Ferguson
Enterprise Risk Management
Understanding your risk portfolio By Michael J. Moody, MBA, ARM
Winning Strategies
Becoming a great agency: part one By Roger Sitkins
Coverage Concerns
The time is right for a binder authority review By Roy C. McCormick
Producer-related Issues
Sharing marketing expenses By Michael J. Weinberg
Risk Managers' Forum
Alternative markets and risk financing By Donald J. Riggin, CPCU, ARM
Risk Problems/Solutions
Some "unlikely" losses worth mentioning to business owners By LeRoy H. Utschig, CPCU, ARM
PF&M Companion
Form and endorsement changes By Bruce Hicks, CPCU, CLU



DEPARTMENTS
Court Decisions
Insurance Market Update
Rebuilding Cost Chart
Centuries of Rough Notes

Rough Notes Staff
Reprints