| Specialty Lines:Is the road getting less bumpy?
 Motor carrier business experiencing modest shifts.
 Marketing:Touch points—The voice of the customer
 New national survey of insurance customers reveals areas of opportunities for agents.
 Technology:Productive production
 Vertafore's Pipeline Manager enables agencies to run professional sales organizations.
 Benefits Agency:Taking control of health risks pays off
 New health care law not viewed as a deterrent to growth.
 Other Feature Stories:  New CPCU president looks ahead
 Encouraging international membership is on the docket.
 Workers compensation: Finding the way forwardSystem faces some unknowns, but some of the things we DO know about must change.
 
 Partee Insurance Associates named theAstonish Results 2011 e-Marketing Agency of the Year
 A digital agency reinvention.
 Cover agents say hard market will be delayed. . . As industry repeats history once again.
 Commercial auto begins a recoveryThe line provides $23 billion in premium, affecting virtually all sectors of the economy.
   COLUMNSAgency Financial Management—Examining an agency ownership transition
 By Tom Sukay and Paul Vredenburg
 Customer Service Focus—Conversations vs. inquisitionsBy Linda M. Faulker, CIC
 Winning Strategies—Is your agency at risk?By Roger Sitkins
 Agents E&O Loss Prevention—Quality file documentationBy Curtis M. Pearsall, CPCU, CPIA
 Enterprise Risk Management—No one right wayBy Michael J. Moody, MBA, ARM
 The Innovative Workplace—Seven common EPL questions and answersBy Don Phin
 Public Policy Analysis & Opinion—MLR—Repeal or not—that is the questionBy Kevin P. Hennosy
 Social Media Forum—A tipping point in 2012By Tom Wetzel
 Lessons in Leadership—Is there another life after insurance?By Robert L. Bailey
 Internet Marketing—Building your local brandBy  John Boudreau
 Digital Marketing—Your social media strategy—quantity vs. qualityBy Heather Lockwood
 Simply Tech—Building your agency's must-have mobile appBy Angelyn Treutel
 Benefits Products & Services—Offering something permanentBy Thomas A. McCoy, CLU
 Benefits Growth Strategies—Competing for talentBy Kevin Trokey
   DEPARTMENTSCourt Decisions
 Centuries of Rough Notes (Flip Book)
 Rough Notes Staff
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