FEATURES
E-business preparedness
Riskclick helps agents & brokers move toward conducting business online.
Easing the technology traffic jam for agents
President of AMS Services stresses need for ASPs and cross-vendor integration.
Lessening the risks at high-risk venues
As speed and risk-taking become more a part of the entertainment culture, agents have additional resources to tap.
Leadership at an early age
Rick Dinger plunges into civic and political responsibilities while running an agency and IBA West's Young Brokers and Agents Committee.
Promises to keep
Central Insurance celebrates 125 years of keeping commitments to policyholders and agents.
Umbrella coverages and rates feel the hardening market
Experts note significant upward rate pressure in trucking and construction markets.
Extended service hours--a mouse click away
Agency provides online customer service to commercial and personal lines customers.
Chubb HO appraisals--an up-close risk management tool
Agents benefit from appraisers' visits to clients' high-value homes.
Heath troubleshoots its way to growth
Heath Insurance Brokers builds underwriting expertise to handle difficult placements.
Going for the summit
At the Consultative Brokerage Summit^®, producers learn how to exceed their clients' expectations--and then some.
Committed to agents for almost 200 years
Providence Washington considers agents to be the foundation of its "Pyramid of Value."
GMS targets management liability for small to medium-sized firms
Gulf Marketing Services offers agent-friendly marketing tools.
MSA Group has unwavering confidence in agency system
East Coast regional insurer prices products realistically, sets stage for future growth.

COLUMNS
Sound Internet Solutions
Online customer self-service By John Ashenhurst

Risk Management
Expand your directors & officers liability market By Donald S. Malecki, CPCU
Strengthening the Front Line
The vertical relationship ladder By Emily Huling, CIC, CMC
Client Nurturing
Farming for clients--3 laws of the harvest By Jim Cecil
Maximizing Automation
Driving change By Wanda Shumaker
Enterprise Risk Management
Holistic view of risk brings new options for smoothing earnings By Michael J. Moody
It's All About Money Retirement plan traps for the unwary or greedy
By William A. Clemmer & Gary Lesser, Esq.
Coverage Concerns
Sump pump failure and water backup--HO policy concerns By Roy McCormick
Winning Strategies
The CEO's role in sales By Roger Sitkins
Financial Services Opportunities
Systematic withdrawal systems By Andy Hagar
Risk Problems/Solutions
Insuring restaurants--potential losses to consider By LeRoy H. Utschig, CPCU, ARM
PF&M Companion
Form and endorsement changes By Bruce Hicks, CLU, CPCU

Agency Financial Management
Agency financial turnarounds--the good, the bad & the ugly By Paul J. Di Stefano, CPA, CPCU and Thomas Pepe

DEPARTMENTS
Court Decisions
Agents' Errors & Omissions Review
Insurance Market Update

Regional Target Markets
Region 1 Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont
Region 2 Alabama, Delaware, District of Columbia, Florida, Georgia, Kentucky, Maryland, Mississippi, North & South Carolina, Tennessee, Virginia, West Virginia
Region 3 Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin
Region 4 Arkansas, Colorado, Iowa, Kansas, Louisiana, Missouri, Nebraska, New Mexico, Oklahoma, Texas
Region 5 Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, North & South Dakota, Oregon, Utah, Washington, Wyoming

Centuries of Rough Notes
Rough Notes Staff
Reprints