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LOOKING FOR NEW BUSINESS

    LOOKING FOR NEW BUSINESS

Agency of the Month LOOKING FOR NEW BUSINESS Northern Michigan agency turns its sights southward By Jenny Berner When Donald Bartosh established Top O’ Michigan Insurance Agency (TOMIA) in Alpena

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TALKING TELECOM

    TALKING TELECOM

MGA/BROKER FOCUS TALKING TELECOM Specialty MGA places cell tower risks with an A+ admitted carrier By Elisabeth Boone, CPCU Where would you be without your mobile phone? If you’re like

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FOCUS ON ENVIRONMENTAL AND POLLUTION INSURANCE

  FOCUS ON ENVIRONMENTAL AND POLLUTION INSURANCE

FOCUS ON ENVIRONMENTAL AND POLLUTION INSURANCE New exposures increase risks By Lori Widmer When it comes to the construction industry,

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DRIVING INNOVATION AND GROWTH

  DRIVING INNOVATION AND GROWTH

DRIVING INNOVATION AND GROWTH National network focuses on making a positive impact on the independent agency channel By Dave Willis,

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SCHAUER GROUP

  SCHAUER GROUP

Looking Back, Looking Ahead SCHAUER GROUP Fourth-generation Ohio agency marksI00 years of growth and lays the groundwork for future success

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Coverage Concerns



A TRAGIC BUT ORDINARY MISTAKE

    A TRAGIC BUT ORDINARY MISTAKE

A tragic but ordinary mistake A family sued and won a nearly million-dollar judgment from the hospital where their daughter committed suicide after being admitted for psychiatric observation. The daughter

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Excess and Specialty Lines



PROFESSIONAL LIABILITY

    PROFESSIONAL LIABILITY

Specialty Lines Markets PROFESSIONAL LIABILITY A hard market comes around softly By Joseph S. Harrington, CPCU Observers agree that the market for professional liability insurance is hardening. Beyond that, there

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Benefits Lead



FOCUS ON ACCIDENT INSURANCE

    FOCUS ON ACCIDENT INSURANCE

FOCUS ON ACCIDENT INSURANCE The name may be the same, but benefits have changed By Len Strazewski It always came with the package. Accidental death and dismemberment (AD&D) insurance, usually

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