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November 2002

COVER STORY
InterWest seeks dominance in the northern California valley
Large agency formed through merger of equals; entrepreneurship spurs growth.

FEATURES
Changing of the guard
Lloyd's sheds status quo to keep pace with changing marketplace.
Fiduciary liability: It's not just a big-company concern
Smaller companies may not know they're vulnerable--but without coverage, they stand to lose everything.
Cindy Molnar of FAIA wins association's Irma Award
Second annual recipient is cited for her energy and professionalism in meeting planning, other responsibilities.
Driven to succeed
Heather Dougherty's career path has taken her from tele-sales to agency/senior vice president.
The Rough Notes Company Community Service Award
Nomination process under way for recognizing agents' outstanding service to their communities.
GuideOne focuses on core business
Company adds value by educating churches in risk management.
Where's the beef?
User group presidents use the AUGIE survey as fuel for urging agencies to beef up their Web site.
Apartments and condominiums
More prospects with fewer markets.
ERPL: Looking beyond the loss ratio
Attorney suggests ways to prevent harassment problems.
Comprehensive Risk Management Services
Compliance CheckTM helps this Florida agency differentiate itself from the competition.
School's in session
Chubb partners with The National Alliance to provide producer training.


ADVERTISERS INDEX

COLUMNS

Growth Strategy Review
Customer service as profit center By G. Edward Kalbaugh
Producer-related Issues
Moving up By Michael J. Weinberg
Sound Internet Solutions
Innovation--weed whackers, wheeled string trimmers and free conference calls By John Ashenhurst
Risk Management
Does crime policy cover theft of data? By Donald S. Malecki, CPCU
Classifying Risk
A new menu of restaurant classifications By Linda D. Ferguson, CPCU
Coverage Concerns
Promoting responsible savings for personal lines clients By Roy C. McCormick
Benefits Business
Differentiation is key By Len Strazewski
NAIC Analysis & Opinion
Throw me something, mister! By Kevin P. Hennosy
AAIS Coverage Perspective
Mold: The $1 billion challenge By Robert J. Prahl, CPCU
Enterprise Risk Management
CAT Bonds By Michael J. Moody, MBA, ARM
PF&M Companion
Form and endorsement changes through September 2002 By Bruce Hicks, CLU, CPCU
Maximizing Automation
Why bother? By Wanda Shumaker



DEPARTMENTS
Court Decisions
Centuries of Rough Notes
Rough Notes Staff
Reprints