COMMERCIAL LINES Risk Management--IRMI construction conference Risk Problems/Solutions--Avoiding E&O problems with commercial automobile Classifying Risk--Shopping for the right classification Risk Management--Large contracting risks-a potential mine field Risk Problems/Solutions--Avoiding E&O problems Coverage Concerns--Commercial insurance prescription Risk Problems/Solutions--Improvements and betterments Classifying Risk--Navigating boat dealer and marina classifications Risk Management--The tangled web of cyberspace liability AAIS Coverage Perspective--Construction defects AAIS Coverage Perspective--A new program for insuring agribusinesses Classifying Risk--Payroll exclusions in the GL trucker classification Risk Management--Wrap-up programs-a Pandora's box of complexities Risk Problems/Solutions--Property extras-potential E&O? Classifying Risk--Fine dining to fast dining Risk Management--Get it in writing Coverage Concerns--Liability releases Re-thinking workers comp Coverage Concerns--Keep your underwriting ear to the ground Classifying Risk--Serving up the right coverage Risk Problems/Solutions--Construction sites-potential E&O claims Risk Management--Business auto policy AIG targets small business market Risk Problems/Solutions--Clients' employee benefits can present potential E&O problems Classifying Risk--Covering contractors-Part one Risk Management--Umbrella & excess policies-defining terms of coverage Risk Management--Who is an insured Classifying Risk--Covering contractors-Part two Risk Problems/Solutions--Some "unlikely" losses worth mentioning to business owners Classifying Risk--Covering contractors-Part three Risk Management--Does crime policy cover theft of data? Classifying Risk--A new menu of restaurant classifications CRITICAL ISSUE REPORT Buyer beware How financially stable is the insurance industry? Credit scoring debate continues The tip of the iceberg Asbestos crisis rolls on Agents sue Allstate; EEOC sues too; Allstate countersues Risk Problems/Solutions--Loss payables GENERAL ARTICLES 13th Annual Rough Notes Marketing Agency of the Year candidates Mold is the new menace to the industry Analysts view 2002--looks like a tough year Identity crisis PF&M Companion--October 2001 form and endorsement changes NAIC Update--Commissioners fiddle while Rome burns Coverage Concerns--Premium increases Young Agent Forum--Indiana young agents take highest award again NAPSLO president sets goals A call to action Young Agents--From suspects to prospects Surreal becomes real NAIC Update--Finding their voice Insurance education resumes Young Agent Forum--Don't neglect building relationships with legislators Agent-owned captives Recruiting 101: Invest in tomorrow's workforce Banks and insurance agents Allstate faces agent lawsuits on two fronts PF&M Companion--December 2001 form and endorsement changes Clark wins first Young CIWA Award Young Agents--Education-a rung on the ladder of success NAIC Update--Appeasement failing at NAIC ServiceMaster restores property, way of life The race to regulation Litchfield Insurance Group named Agency of the Year 2002 Community Service Award The fungus among us PF&M Companion--February 2002 form and endorsement changes NAIC Update--Some people never learn PF&M Companion--March 2002 form and endorsement changes NAIC Analysis & Opinion--Origins of catastrophe Banks explore options for selling insurance RIMS members unhappy with insurers Young Agents--Faithful few revive young agents group PF&M Companion--April 2002 form and endorsement changes Young Agent Forum--Escape the hard market in the Big Easy New name reflects changing times NAIC Analysis & Opinion--Summer of discontent PF&M Companion--May 2002 form and endorsement changes NAIC Analysis & Opinion-Whoops Role of coach critical to success of new producer Young Agents--Agent of change Coverage Concerns--The time is right for a binder authority review PF&M Companion--July 2002 form and endorsement changes National Alliance promotes "professionalism through education" PF&M Companion--August 2002 form and endorsement changes The Rough Notes Company Community Service Award NAIC Analysis & Opinion--Marshall Plan for insurance Lessons in Leadership--Turning dreams into dollars A view from London Changing of the guard Fiduciary liability: It's not just a big-company concern Cindy Molnar of FAIA wins association's Irma Award Young Agents--Driven to succeed The Rough Notes Company Community Service Award NAIC Analysis & Opinion--Throw me something, mister! AAIS Coverage Perspective--Mold: The $1 billion challenge PF&M Companion--September 2002 form and endorsement changes School's in session Banks acquiring agencies Young Agent Forum--Young agents' achievements recognized Lessons in Leadership--Doing the right thing Public Policy Analysis & Opinion--Rewarding bad behavior LIFE/HEALTH & FINANCIAL SERVICES Benefits Business--Managing employee benefits online It's All About Money--A market perspective Managed care's poor health It's All About Money--Retirement plan investing Independents gain share of life market Benefits Business--A buffet of benefits Benefits Business--Easing the pain It's All About Money--Common IRA misconceptions Benefits Business--Changes in dental plans require examination It's All About Money--IRAs at tax time It's All About Money--College savings plans Benefits Business--Health benefits on a limited budget Benefits Business--Marketing long term care insurance It's All About Money--The high price of education Managed care under siege Benefits Business--Specialty health products It's All About Money--College savings plans: Coverdell Education Savings accounts Benefits Business--Debit cards ease FSA administrative burden Opportunity knocks Benefits Business--Dental insurance gains popularity It's All About Money--College savings plans: Differences and considerations Benefits Business--Differentiation is key It's All About Money--Retirement plans - the sounds of change Benefits Business--Boosting morale with work/life benefits MANAGEMENT Agency Financial Management--Agency consultant roles expand Client Nurturing--Hard markets . . . soft sell Producer-Related Issues--Producer compensation Agency Financial Management--The impact of producer agreements on agency value Winning Strategies--Keep the ball rolling Agency Financial Management--Mergers & acquisitions Strengthening the Front Line--Handling stress in business life Growth Strategy Review--Innovative mergers and acquisitions Producer-Related Issues--The bankruptcy game Producer-Related Issues--The commitment Agency Financial Management--Agency management systems implementation Client Nurturing--The technology of customer contact Producer-Related Issues--The need for networking Agency Financial Management--Agency management systems Strengthening the Front Line--Responsible delegation benefits all Winning Strategies--My TIDU list Agency Financial Management--Agency transactions Client Nurturing--Making sense of customer surveys Producer-Related Issues--Tracking down good producers Contented CSRs=productive CSRs Preventing bad hire days Producer-Related Issues--What is driving your agency? Agency Financial Management--Agency financial health-balance sheet considerations That's not my job Strengthening the Front Line--Great business requires great people Client Nurturing--Picking the low-hanging fruit Agency Financial Management--Resolving owner conflicts Winning Strategies--Becoming a great agency-Part one Producer-Related Issues--Sharing marketing expenses Hire for attitude, train for skills Strengthening the Front Line--Bad management can have high costs Winning Strategies--Becoming a great agency-Part two Client Nurturing--Nurturing the vital few Agency Financial Management--Agency mergers and acquisitions Producer-Related Issues--Civic marketing Sharing the wealth Producer-Related Issues--Moving Up Perpetuation planning: Straight talk from the experts Risk Managers' Forum--Due diligence for mergers and acquisitions Producer-Related Issues--Agents as mentors Agency Financial Management--What's it worth to you? Strengthening the Front Line--Why good employees leave MARKETING Enterprise Risk Management--The more things change Growth Strategy Review--Success in 2002 Enterprise Risk Management--Finite possibilities Integrated disability management Agent-owned insurer succeeds in coastal market Wholesaler provides outside-the-box products Enterprise Risk Management--Everybody talks about it ERM approach leads to 90% hit ratio Keeping it simple Growth Strategy Review--Building agency value Enterprise Risk Management--Reality check Enterprise Risk Management--Awareness of risk sparks renewed interest in ERM Creating a full-service culture Enterprise Risk Management--Enterprise risk management-a fading fad? Spring training with Coach Sitkins Growth Strategy Review--agency turnaround-A three-year case study And you thought Social Security was in trouble? Hartford expands small commercial offerings Growth Strategy Review--Coping with the hard market Enterprise Risk Management--Group solutions-Part one Enterprise Risk Management--Agents need to prepare for CRO emergence Risk Managers' Forum--Value of risk management in a hard market Risk Managers' Forum--Alternative markets and risk financing Enterprise Risk Management--Group solutions-Part two Gaining control of personal lines Growth Strategy Review--Service convergence Increasing agency value through HR services California agency finds--and keeps--niche accounts Enterprise Risk Management--Understanding your risk portfolio Fortis foresees rapid growth in voluntary benefits Risk Managers' Forum--Understanding enterprise risk management Enterprise Risk Management--Corporate governance moves to the front burner Actuaries evolve into architects of financial security SAFECO automates small business writing Growth Strategy Review--Hard market strategies Avoiding the apples-to-apples trap Hard market relief Growth Strategy Review--Customer service as profit center GuideOne focuses on core business Comprehensive risk management services Enterprise Risk Management--CAT bonds AVI combines detailed inventory with valuation and appraisal Putting zip into e-mail marketing Financial advisor's advice: Take control Something for nothing Risk Management--Producers as consultants MARKETING AGENCY OF THE MONTH Protection is their rallying cry Attorney finds agency business more positive A niche marketer before it became chic Small market big results Sleepy agency wakes up Expanded value-added services keys to growth Focusing on hard-to-place risks Committed to independence Standing out from the crowd InterWest seeks dominance in the northern California valley Agency focuses on loss mitigation and prevention ORGANIZATION PROFILES Listening to contractors--what do builders want most in a liability program? Lee & Mason Tapping the power of the urban market London American focuses on underwriting and diversification Home sweet home K&K Insurance celebrates 50 years of success Mastering the hard market Public liability: Creative solutions for a complex market British broker poised for hard market Keep on trucking Free speech is expensive! A recipe for success Rx for doctors Paige-Ruane: Leading provider of lessors contingent liability About time United Brokers focuses on transportation business Market Finders celebrates growth Management liability at the speed of light Protecting people's passions Providence Washington--standing tall for its agents Connecting cultures, building business The marketing arm for many top marketing agencies No boundaries Horse sense: Insuring equine-related risks NIF Group thrives on its underwriting expertise Benfield Blanch links MGAs, PAs and carriers Broker fills Native American niche We are family High-risk challenges, smart solutions People and expertise make the difference Miles ahead Protecting income, building retention Return to roots revitalizes Amerisure Zurich Canada alliance with ING brings efficiencies PERSONAL LINES Personal LinesSelling--Touchdown! Personal LinesSelling--Dealing with market adversity Coverage Concerns--Interviews with HO claimants pinpoint needs Coverage Concerns--Personal liability coverage warrants periodic review Personal LinesSelling--Growth through profits Personal LinesSelling--Drilling down to uncover hidden exposures Coverage Concerns--Coverage implications when renters have a change of address Personal LinesSelling--Runaway train or bullet train-which is your agency? Personal LinesSelling--Using claims service as a strategic advantage Coverage Concerns--Promoting responsible savings for personal lines clients Personal Lines Selling--What does pizza have to do with database management? Coverage Concerns--Loss of use coverage is important homeowners policy protection REBUILDING COST CHART Rebuilding Cost Chart-Spring Rebuilding Cost Chart-Summer Rebuilding Cost Chart-Fall Rebuilding Cost Chart-Winter SPECIALTY LINES Specialty LinesMarkets--Contractors and related coverages Specialty LinesMarkets--Watercraft Bumps in the road Specialty LinesMarkets--Specialty Lines review 2002 EPLI awards on the rise A sign of the times Specialty LinesMarkets--Hotel bar and restaurant market potential Specialt Section--AAMGA Tax liability insurance Specialty LinesMarkets--Weather or not . . . Prize indemnity products could be a special event on your bottom line A suite solution Helping enhance client revenue Managing risk at the ol' ball game MGA sees opportunity in troubled California comp market Specialty LinesMarkets--Employment practices liability insurance Family tradition lives at McGraw/Pacific Specialty Small risks can have large environmental exposures Specialty LinesMarkets--Be careful that this umbrella doesn't leave you all wet Specialty market smorgasbord Specialty LinesMarkets--Trucking-Harder with fewer players Lawyers suing lawyers Med mal in crisis mode D&O: Hard and getting harder Trade group endorsements for every specialty Specialty LinesMarkets--Pay for play AAIS Coverage Perspective-EPLI-status opportunities and concerns Small employers big risks Specialty LinesMarkets--Skyrocketing rates give birth to mass exodus of physicians from certain medical fields Special Section--PLUS Risk Problems/Solutions--Evaluating risk that involves uncommon losses Specialty LinesMarkets--Apartments and condominiums ERPL: Looking beyond the loss ratio Special Lines Markets--Specialty market review and preview TECHNOLOGY Specialty coverage just a click away A job worth doing New technology may not be better technology Sound Internet Solutions--CSIO insurance portal Fine tune your agency Web site Maximizing Automation--Digitizing the daily drop files Sound Internet Solutions--Agency Web site case study Appraising the agency Navigating the cyber minefield--Part 1: The problem Sound Internet Solutions--Vendors converge on Transformation Station Protecting the pipeline Making a house call on Capitol Hill A better way Navigating the cyber minefield--Part 2: The solution A different way of doing things Maximizing Automation--Getting the most out of "Best" Agency Marketing Technology--Disaster planning-it's more than just computers Sound Internet Solutions--What can agents learn from portals? On the right track Agency Marketing Technology--An agency without walls Webinars: Getting more for less Something new under the sun Sound Internet Solutions--Online insurance industry utilities Maximizing Automation--Keeping balanced Their "I" is on the customer Sound Internet Solutions--Hybrid interface The buck starts here Sound Internet Solutions--Enhancing Web site usability Agency Marketing Technology--Finding prospects by using the Internet Online apps and quotes for E&O Rapid response Sound Internet Solutions--Three perspectives on interface issues Agency Marketing Technology--Using proposals to help make the sale Budgeting for technology Sound Internet Solutions--Innovation-weed whackers, wheeled string trimmers and free conference calls Where's the beef? Maximizing Automation--Why bother? Working smarter Agents urged to answer the call Agency Marketing Technology--Working with contact information Sound Internet Solutions--Maybe not TO THE POINT Collaborative commerce in the commercial middle-market Spreading the word Credit-based scoring Keep it simple