| Specialty Lines Markets:Security guard firms: Growth drives opportunity
 Promising trends in this segment bode well for agents.
 Technology:Navigating a world of opportunity
 miEdge delivers employee benefits business intelligence to producers in real time.
 Benefits Agency:A culture of wellness
 Leading by example, The Horton Group puts wellness at the center
 of its clients' benefits programs.
 Marketing:Battle for the middle: Lead with work comp
 Broker who can deliver alternative risk-financing options has a clear advantage.
 Benefits Company:Transamerica Employee Benefits enjoys voluntary business growth
 Flexible products and powerful sales tools drive agent success.
 Other Feature Stories:Cyber insurance
 Growth of online commerce points toward sizable market potential.
 New CPCU president plans for the futureSociety wants to boost its broker penetration, international and social media presence.
 Bermuda marketEconomic conditions fail to halt expansion of the Bermuda market.
 Leading the way in the life sciences marketRyan Specialty Group's new MGU brings capacity and
 expertise to this challenging space.
 Beyond what's requiredCommunity Service Award honors agents for extraordinary service to others.
 Safe and secureProtective service industries represent a growing market for commercial insurance.
 No age limit for starting career as a producerLife is good for older "young agent".
   COLUMNSPublic Policy Analysis & Opinion—GAO questions state efficiency
 Medicaid long-term care admissions come under scrutiny
 By Kevin P. Hennosy
 Winning Strategies—Distinguished or deluded?Are you on the road to success or following a path to nowhere?
 By Roger Sitkins
 Customer Service Focus—Customer service has roots!Cultivation creates a healthy relationship
 By Bridgett Purpich, CISR
 Risk Management—Coverage complications of LLCsOverlapping ownership interests can imperil coverage
 By Donald S. Malecki, CPCU
 Benefits Business—Aflac sees ACA as helping voluntary benefits growthNational health insurance in other countries has produced increases in demand for voluntary benefits
 By Len Strazewski
 The Innovative Workplace—Hiring your way to a great agencyConsider the agency's online presence and provocative job interview tactics
 By Don Phin
 Enterprise Risk Management—Board oversight revisitedDirectors have been given the responsibility for risk oversight—now what?
 By Michael J. Moody, MBA, ARM
 Benefits Products & Services—Putting the buyer in chargeThe potential payoffs and penalties of benefits communication
 By Thomas A. McCoy, CLU
 Agents E&O Prevention—Writing employee benefitsRiddled with potential—pitfalls and opportunities
 By Curtis M. Pearsall, CPCU, AIAF, CPIA
 Internet Marketing—You're sitting on a gold mineCurrent clients can be your best source of new business
 By Adam DeGraide
 Beyond Insurance—Using rejection as a motivatorRejection hurts, but it can also help you move to the next level
 By Scott Addis, CPCU, CRA
 Social Media Forum—Agent-insurer collaboration proves effectiveIt isn't only the giant insurers making strong use of social media
 By Tom Wetzel
   DEPARTMENTSCourt Decisions
 Centuries of Rough Notes (Flip Book)
 Rough Notes Staff
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