| Specialty Lines:Nailing down opportunities in construction
 Agents, underwriters and specialist intermediaries adjust to "the new normal".
 Marketing:Leading from the inside out
 To engage your clients and employees, you need to find their "why"—and yours.
 Technology:Streamlining the sales effort
 ProspX delivers sales collaboration and networking capabilities to the agency sales force.
 Benefits Agency:Wellness going well in a mid-sized market
 Historic agency builds a thriving benefits practice anchored by wellness.
 Other Feature Stories:  New impetus for group captives
 ASAE establishes protected.
 Congratulations to Van Gilder Insurance2010 Marketing Agency of the Year.
 A case for fee-based servicesState departments of insurance are starting to weigh in on "valued-added services".
 Human resource consulting: New dimensions in risk managementAn in-house specialist delivers HR solutions to the Gibraltar Group's business clients.
 Creating informed consumersMet Life Auto & Home survey shows that an annual review is vital to fill
 gaps and educate buyers.
 Softness continues in the commercial umbrella marketRLI waits out the downturn with a conservative, long-run strategy.
 Construction surety bonds ride the economic cycleAgents advised to maintain close communication with sureties.
   COLUMNSBuilding Equity Value—Strong balance sheet, stronger agency
 By Craig C. Niess
 AAIS Perspective—Coverage for watercraft evolves into standardized formBy Joseph S. Harrington, CPCU
 Risk Managers' Forum—Data, data everywhereBy Steve Anderson, CIC, and Tim McClendon, CIC, CWCA
 Risk Management—Forgetting to cover a crane?By Donald S. Malecki, CPCU
 Public Policy Analysis & Opinion—Carriers foresee active legislative yearBy Kevin P. Hennosy
 Benefits Products & Services—Product differentiation critical in voluntary marketBy Thomas A. McCoy, CLU
 Management by Coaching—I'm leading—Why aren't they following? Part 2By Kimberly Paterson, CEC
 Enterprise Risk Management—One step forward, two steps backBy Michael J. Moody, MBA, ARM
 Customer Service Focus—Customer centric should be the focusBy Jeanette Machisic, CIC, AAI, CTM, and Matt Coleman, CPCU, ARM, AAI
 Internet Marketing—Become a world-class agencyBy Tim Sawyer
 The Innovative Workplace—Implementing value-added programsBy Don Phin
 Strengthening the Front Line—Do you possess the qualities of a proud CSR?By Emily Huling, CIC, CMC
 Beyond Insurance—7 secrets to peak producer performanceBy Scott Addis, CPCU
 DEPARTMENTSCourt Decisions
 Centuries of Rough Notes (PDF)
 Rough Notes Staff
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