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October 2013 Rough Notes magazine


Marketing Agency of the Month:
Building on its history, people and process
Peoples First lives up to its name by putting clients first.

Specialty Lines:
Professional liability: A growth market
Broadening exposures and consumer awareness create opportunities.

Signing on the electronic dotted line
Consumers may soon be expecting agents to offer electronic signature capabilities.

Benefits Agency:
Sophisticated service & acquisitions drive benefits growth
In eight years Williams-Manny's benefits revenues rise from 25% to45% of total revenues.

Captives: Ideal for the middle market?
Program from Captive Resources, LLC, allows agents to become consultative advisors with their best.

Other Feature Stories:
The Rough Notes Company 15th annual Community Service Award
Independent insurance agents, brokers, and their firms are eligible to be honored.

A new look at the Great Chicago Fire
The fire that started Fire Prevention week and a focus on better underwriting.

High net worth specialist carrier goes above & beyond
Privilege Underwriters Reciprocal Exchange's response to Superstorm Sandy was super.

Keeping it legal
Market leader CNA delivers underwriting expertise and risk control to law firms of all sizes.

AAIS president looks to the future
Initiatives in data gathering, product development broaden market for agents.

The feeling is mutual
A proud history and dynamic leadership make The Motorists Insurance Group an agent favorite.

Agents E&O: Do sweat the small stuff
Partner with intermediaries who "speak E&O".

The ART market and ACA implementation
Increasing size of health care institutions will have an impact on agents.



Winning Strategies—Distinguishing yourself from the competition—Be a consultant, not a commodity
By Roger Sitkins

Risk Managers' Forum—Raising the bar with risk management—Managing total cost of risk for those clients who recognize the value of that approach
By Tim Starr, CIC, CRM

ISO Products Perspective—Coverage for E&O exposures—Needed liability coverage beyond that provided by general liability policies
By John Giordano and Doug Kahn

Benefits Business—People with HSAs are happy with them—But those who reject them don't understand the benefits and differences from FSAs
By Len Strazewski

Agency Financial Management—Feeling pressured by carriers? That's a good thing—Turn frustration into motivation
By Rick Dennen

Management by Coaching—When the fire burns too bright—Burnout: how to spot it and how to stop it
By Kimberly Paterson, CEC

To The Point—North Carolina lax captive regulation could cause problems—No fees, no exams, no form approvals—what could go wrong?
By Michael J. Moody, MBA, ARM

Customer Service Focus—Fat and happy in the rabbit hole—"Wonderland" educates and supports novice CSR
By Freida Cooper, CISR, CPIA

Strengthening the Front Line—Providing great service one touch at a time—Six ideas for providing top-notch client experiences
By Emily Huling, CIC, CMC

Public Policy Analysis & Opinion—Forbidden relationships—NAIC's contempt for ethics laws results in Florida "investigation"
By Kevin P. Hennosy

Managing Mobility—Building security around BYOD—Three steps agencies should take to protect data
By Jim Rhodes

Risk Management—Three good reasons for a personal umbrella—Looking for coverage in all the wrong places
By Donald S. Malecki, CPCU

Benefits Products & Services—Ability to work: An asset worth protecting—In the shadow of ACA and SSDI turmoil: A disability benefits opportunity
By Thomas A. McCoy, CLU


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