March 2009
FEATURES

Cover Story:
Retaining clients in tough times
Florida agency focuses on protecting insureds' balance sheets.

Specialty Lines:
Recreation on land and sea
Economic pressures inhibit growth, but specialists still see opportunities.

Marketing:
Health care from A to Z
From acupuncturists to visiting nurse associations, AmWINS Healthcare
has it covered.

Technology:
Do more with digitally recorded calls
Smart, cost-effective software automatically records all phone calls and
stores them as MP3 files.

Benefits:
Benefits know-how
Agency's evolving benefits practice helps clients focus on wellness and
health management.

Other Feature Stories:  
Money laundering prevention moves into the insurance industry
"Financial institutions" takes on a larger meaning, includes insurance industry.

Finding & filling a niche
Program start-up checklist: future growth prospects, competition, carrier choice.

The winds of change
Agency partners with wind farm owners, turbine manufacturers, and insurers.

Everything marine
Britt/Paulk brings new technology to the oldest type of insurance coverage.

Meeting climate change head on
Reinsurance Association of America releases "climate change policy".

Brand-new brand
Foremost Insurance becomes Farmers' independent agency face.

"ACE-ing" the affluent market
ACE Private Risk Services delivers its ACE Platinum Portfolio to high
net worth clients.

COLUMNS
To The Point—The end of insurance?—I.I.I. Warns industry to
beware of "mega-trends"
By Michael J. Moody, MBA, ARM

Winning Strategies—Quick-hit strategies for a tough economy
By Larry Linne

Risk Management—Now you see it; now you don't
By Donald S. Malecki, CPCU

Management by Coaching—Five coaching tools guaranteed
to boost performance
By Kimberly Paterson, CEC

Public Policy Analysis & Opinion—Potomac fever
By Kevin P. Hennosy

Customer Service Focus—Ethics, information and privacy
By Cleva Moore, CIC, CRM, CPCU, AIS, AU, APA

Enterprise Risk Management—Lessons from the financial meltdown
By Michael J. Moody, MBA, ARM

Critical Issue Report—Guaranty fund raided for non-insurance
use—Industry condemns "back-door tax" as New York legislators
pursue deep pockets of insurers
By Phil Zinkewicz

Producer Self-Management—Running the first meeting
By John Edward Love, CPCU

DEPARTMENTS
Court Decisions
PF&M at a Glance
Rebuilding Cost Chart (PDF)
Centuries of Rough Notes (PDF)
Rough Notes Staff
Reprints

ADVERTISERS INDEX & PRODUCTS PAGE (PDF)