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November 2011

Marketing Agency of the Month:
Specialty success
Small town agency makes a big splash in niche marketing.

Specialty Lines:
Competition is strong among—and for—security firms
Marketplace continues to be challenging but improvements seem imminent.

The Hanover becomes a key market
Insurer enjoys strong profitable growth despite tough economic times.

Technology's next big wave
Insurance Website Builder designs sites that meet needs of mobile and desktop users.

Benefits Agency:
Small package-big things
Georgia's McCart Group walks the sales versus service tightrope.

Other Feature Stories:  
CAT Bonds—an evolutionary change
California Earthquake Authority starts going direct to its own reinsurer.

Beyond what's required
Community Service Award honors agents for extraordinary service to others.
Nomination Form

Mastering the health care market
James River brings underwriting savvy to allied health and nonstandard medical professional risks.

Captives and employee benefits: A status report
Changes in legislation could spur employer interest in using captives to fund their benefits.

Winning Strategies—Are you learning or leaning?
By Roger Sitkins

Producer Self-Management—A "Love letter"
By John Love, CPCU

Benefits Business—Long-term care costs are high and rising
By Len Strazewski

Risk Management—Railroad protective liability
By Donald S. Malecki, CPCU

Enterprise Risk Management—ERM: A game changer?
By Michael J. Moody, MBA, ARM

The Innovative Workplace—What's the benefit in benefits?
By Don Phin

Public Policy Analysis & Opinion—Is it a tax?
By Kevin P. Hennosy

Customer Service Focus—Ethical decisions & CSRs
By Ruth E. Phillips, CIC, CISR, CSRM

Internet Marketing—Word-of-mouth marketing—amped!
By Adam DeGraide

Digital Marketing—Social media guidelines
By Heather Lockwood


Court Decisions
Centuries of Rough Notes (Flip Book)
Rough Notes Staff




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