Dave Willis, CPIA

Senior Features Editor
Elisabeth Boone, CPCU

Assistant Editor
Christopher W. Cook

Editorial Assistant
Alice A. Roettger

Art Director/Photographer
Paul Riley

Graphic Designer
Deanna Stone

Production/Advertising Coordinator
Tricia Cutter

Cory Lind

Contributing Editors

Michael J. Moody, MBA, ARM

Dennis Pillsbury

Len Strazewski


Scott Addis

Rick Dennen

Kevin P. Hennosy

Kimberly Paterson, CEC

Roger Sitkins

Editorial Advisory Board

Scott Addis
The Addis Group
King of Prussia, Pennsylvania

Randy Boss
Ottawa Kent
Jenison, Michigan

Bob Bramlett
The Bramlett Agency
Ardmore, Oklahoma

Chad Brandon
The Tedrick Group
Mt. Vernon, Illinois

Bill Bridges
DFB Insurance Group
Pampa, Texas

Steve Brown
Hoffman Brown
Sherman Oaks, California

Glenn Clark
Rockwood Programs
Wilmington, Delaware

Michel Drouin
Charlebois Trepanier & Associates
Gatineau, Quebec, Canada

Michael Highum
McGowan Insurance Group
Indianapolis, Indiana

Spencer Houldin
Ericson Insurance Advisors
Washington, Connecticut

Lew Kachulis
Gilbert's Insurance Agency
Sharon, Pennsylvania

Robert N. Kretzmer
V.W. Brown Insurance Service, LLC
Bethesda, Maryland

Claudia McClain
McClain Insurance Services
Everett, Washington

Hugh B. McGowan
McGowan Insurance Group
Indianapolis, Indiana

Hugh M. McGowan
McGowan Insurance Group
Indianapolis, Indiana

Robert E. Mackoul
Mackoul & Associates
Long Beach, New York

Heather Minkler
Clark-Mortenson Insurance
Keene, New Hampshire

Glenn Montgomery
Brownstone Insurance
Norwell, Massachusetts

Craig Most
Most Insurance
Tampa, Florida

Jon Pappas
Potomac Insurance Network
Baltimore, Maryland

Ted Pappas
The McLaughlin Company
Washington, D.C.

Chris Paradiso
Paradiso Financial & Insurance, LLC
Stafford Springs, Connecticut

Nick Pembroke
McClain Insurance Services
Everett, Washington

Mark Rollins
The Rollins Agency
Rye Brook, New York

Nick San Filippo
American Insurance Services Agency
Clark, New Jersey

David Shields
Campbell Insurance
Lynchburg, Virginia

Jonathan Theders
RiskSOURCE Clark-Theders
West Chester, Ohio

Ronnie Tubertini
SouthGroup Insurance Services
Ridgeland, Mississippi

Tim Ward
Senn Dunn
Greensboro, North Carolina

Gordon Wenner
Jones & Wenner Insurance Agency
Fairlawn, Ohio

Scott White
Marquette, Michigan

Advertising Sales

Eric Hall
Executive Vice President - Advertising - National Sales Director
11690 Technology Dr., Carmel, IN 46032
Phone (800) 428-4384; (317) 816-1022
Fax (317) 816-1000

Dick Schoeninger
Vice President - Advertising - Northeast
313 Swedesford Road, Malvern, PA 19355
Phone (866) 918-2900; (610) 640-2985
Fax (610) 640-2849

Marc Basis
Vice President - National Sales Director - Benefits Advertising
7886 Oak Grove Circle, Lake Worth, FL 33467
Phone (866) 461-3045; (561) 740-8110
Fax (561) 740-8101

Michael Moody
Vice President - Alternative Risk
2505 East Williams Field Road, Suite 1068, Gilbert, AZ 85295
Phone (616) 855-5523; Fax (616) 855-5524

Tricia Cutter
Article Reprint Sales

The Insurance Marketplace

Eric Hall
Executive Vice President - Advertising - National Sales Director

Dick Schoeninger
Vice President - Advertising - Northeast

The Rough Notes Company

11690 Technology Dr.
Carmel, Indiana 46032-5600

Walter J. Gdowski
President & CEO

Samuel W. Berman
Executive Vice President, COO

Charlene Taylor

Robin J. Bell
Vice President, Technical Insurance Content Management

Robert N. Kretzmer, CIC
Executive Director, Community Service Award

Technical & Educational Products Division

Linda D. Ferguson, CPCU
Vice President, Technical and Educational Products

Bruce D. Hicks, CPCU, CLU
Senior Editor, Technical and Educational Products

Peggy Zoller, SCLA, AINS
Assistant Editor, Technical and Educational Products

Editorial Offices
Phone (317) 582-1600
Fax (317) 816-1000

Internet address:

Phone (317) 582-1600
Fax (800) 321-1909

ROUGH NOTES (ISSN 0035-8525) is published monthly by The Rough Notes Co., Inc., 11690 Technology Dr., Carmel, IN 46032-5600. The Rough Notes Co., Inc. is a subsidiary of Insurance Publishing Plus Corporation, Walter J. Gdowski, President and Secretary; Samuel W. Berman, Vice President. Periodicals postage paid at Carmel, Indiana, and at additional mailing offices. Canadian Publications Agreement No. 40618128. Return undeliverable Canadian addresses to Station A, PO Box 54, Windsor, ON N9A 6J5, E-mail: Subscriptions: United States, one year, $29.75. Single copies, $3. Member of Business Publications Audit of Circulation, Inc. Printed in the U.S.A.

No part of this publication may be reproduced, translated, stored in a database or retrieval system, or transmitted in any form by electronic, mechanical, photocopying, recording, or other means, except as expressly permitted by the publisher. For permission contact Samuel W. Berman.

POSTMASTER: Send address changes to Rough Notes, Subscription Department, 11690 Technology Drive, Carmel, IN 46032-5600