MAY 2008
FEATURES
Cover Story:
Aloha
Ownership restructuring boosts Hawaii agency's success.

Specialty Lines:
Social services market faces growth, challenges
Risk management becomes more important as nonprofits
face decrease in funding.

Marketing:
The meaning of life
The Hartford launches an ambitious cross-selling initiative.

Technology:
Automated marketing redefined
eSemc.com marketing toolkit helps agencies generate sales
opportunities and manage the process.

Benefits:
At USI Southeast it's all about crossover
Agency offers a consultative approach and a wide range of P-C,
benefits and HR services.

Other Feature Stories:  
Bart Straka named PIA National young agent of the year
Small town Wisconsin agent is a champion for new entrants
to the business.

A reinsurance intermediary looks at the soft market
Benfield Group executive says MGAs seek program growth and diversification.

Stow it!
MiniCo helps agents capitalize on the growing self-storage business.

Arizona: The heat is on!
Captive conference features cutting-edge educational opportunities.

The social services market offers strong growth
The market has 1.2 million enterprises generating $3.3 billion in premium.

Captive best practices guidelines
CICA guide focuses on business alignment, corporate governance and regulatory compliance.

Time for a second opinion?
Group captives should consider an independent review of operations.

Cottingham & Butler is Marketing Agency of the Year
Adherence to simple philosophy keeps agency ahead of the competition.

Fit company = fat profits
Our client's success story.

Sustained momentum for MGAs in today's marketplace
AAMGA's initiatives support wholesale and E&S market, with an eye toward the future.

Insuring nonprofits
Hard market inspires entrepreneur to form carrier for nonprofits.

Ready answers
Applied Systems users applaud arrival of claims download capability.

COLUMNS
Winning Strategies—The top five attributes of producers who produce
By Larry Linne

Risk Management—Ousting ambiguities
By Donald S. Malecki, CPCU

Enterprise Risk Management—Actuarial insight into ERM
By Michael J. Moody, MBA, ARM

To The Point—A burning potential—Industry must be vigilant as subprime fallout spawns increased incidents of arson
By Emanuel Levy

Benefits Benefits—Deciphering HRAs, HSAs, HDPs and FSAs
By Len Strazewski

Beyond Insurance—Building your network . generosity is the key
By Scott Addis

Managing By Coaching—Improving agency performance
By Kimberly Paterson, CIC

Public Policy Analysis & Opinion—A dirty, diseased and mean
flock of chickens
By Kevin P. Hennosy

Customer Service Focus—Take time to prioritize
By Deborah Thomas, CIC, AAI

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DEPARTMENTS
Court Decisions
PF&M at a Glance
Rough Notes Staff
Reprints