THE ROUGH NOTES COMPANY, INC. STAFF
Walter J. Gdowski
Samuel W. Berman
Robert N. Kretzmer, CIC
Editor in Chief
Vice President, Alternative Risk
Robert L. Bailey
Kevin P. Hennosy
Emily Huling, CIC, CMC
Donald S. Malecki, CPCU
Michael J. Moody, MBA, ARM
Kimberly Paterson, CEC
Editorial Advisory Board
Scott Addis, CPCU, is CEO of The Addis Group in King of Prussia, Pennsylvania, and is president of Addis Intellectual Capital.
Steve Brown is president of Hoffman-Brown Company, in Sherman Oaks, California.
Glenn Clark is president of Rockwood Programs in Wilmington, Delaware, and the founder of Target Markets Program Administrators Association.
Bryan Costello is president of Costello & Sons Insurance Brokers, Inc., San Rafael, California.
Tom Cousineau is a principal with VAST in Marquette, Michigan.
Michel Drouin is president and CEO of Charlebois Trepanier in Gatineau, Quebec, Canada.
Karen Farris is chairman of Roach Howard Smith & Barton in Dallas, Texas.
Roosevelt Haywood III is a principal with Haywood & Fleming Associates, Gary, Indiana.
Tommy Huval is president of The Huval Companies, a Brown & Brown subsidiary based in Lafayette, Louisiana.
Lew Kachulis is a principal of Gilbert’s Insurance Agency, Inc., Sharon, Pennsylvania.
Robert N. Kretzmer, CIC, is an executive with V. W. Brown Insurance Service, LLC, in Bethesda, Maryland, and the executive director of Rough Notes magazine’s Community Service Award for independent agents.
Jeff Kweder is president of Shepherd Insurance and Financial Services, Carmel, Indiana.
Ronald R. Lensing, CIC, is executive vice president of Ramsey, Krug, Farrell & Lensing in Little Rock, Arkansas.
Robert E. Mackoul is CEO of Mackoul & Associates in Long Beach, New York.
T. Gray McCaskill is president of Senn Dunn, Greensboro, North Carolina.
Chris McVicker is president and CEO of The Flanders Group in Pittsford, New York, which focuses on six specific crevice markets.
Paul Murphy is owner of Paul T. Murphy Insurance in Malden, Massachusetts.
Ted Pappas is president of The McLaughlin Company, a Washington, D.C.-based agency.
Chris Paradiso is president of Paradiso Financial & Insurance Services in Stafford Springs, Connecticut.
Robert Phelan, ARM, is chairman and chief executive officer of the Litchfield Insurance Group, Torrington, Connecticut.
Markham F. Rollins III is co-chairman and CEO of The Rollins Agency, Inc., in Rye Brook, New York.
Nick San Filippo is president of American Insurance Services in Clark, New Jersey.
Kelly Shepherd-Purmort is a partner with Shepherd Insurance & Financial Services in Carmel, Indiana.
Bill Teubel is chief financial officer at TrueNorth Companies in Cedar Rapids, Iowa.
Valarie Webster is vice president of client relations for The Flanders Group, Pittsford, New York.
Rough Notes Magazine Advertising Sales
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Technical & Educational Products Division
Linda D. Ferguson, CPCU
Bruce D. Hicks, CPCU, CLU
Joseph J. Hunter-Lattak, CPCU
Phone (317) 582-1600
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: firstname.lastname@example.org. Subscriptions: United States, one year, $29.75. Single copies, $3. Member of Business Publications Audit of Circulation, Inc. Printed in the U.S.A.
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©The Rough Notes Company. No part of this publication may be reprodsuced, translated, stored in a database or retrieval system, or transmitted in any form by electronic, mechanical, photocopying, recording, or by other means, except as expressly permitted by the publisher. For permission contact Samuel W. Berman.