| 
                   Specialty Lines Markets: 
                  Unlocking the door to vacant buildings coverage 
                  Marketing & risk management tips for personal and commercial vacant properties. 
          Technology: 
              Big ideas for small business insurance 
              BizInsure's 10-minute process offers consumers instant access 
              to multiple quotes, policy issuance. 
          Benefits Agency: 
              Smart strategy specialists 
              New York firm's Employee Benefits Management Group 
              generates 40% of total agency revenues. 
          Marketing: 
              The manufacturing sector: Strong growth results in more risks 
              Putting wisdom to work. 
          Other Feature Stories: 
              Aviation opportunities exist despite grounded rates 
              Specialists can help take the fear out of aviation insurance. 
          Cyber liability: Small business, big exposure 
            With a threefold increase in attacks on businesses with under 
            250 employees, agents must protect their clients. 
          Latin America's promising potential 
            Insurers see strong growth prospects if they can overcome regulatory hurdles. 
          Critical illness coverage: Who needs it? 
            Sun Life survey shows fear of illness's financial impact outweighs fear of dying. 
          30 years of stable growth 
            Keystone Insurers Group prepares to enter ninth state, 
            maintaining its original principles. 
          Excess flood 
            Flood coverage limits are often too low for most property owners. 
            
          COLUMNS 
            Winning Strategies—The responsibility of ownership—Team up to perpetuate 
            By Roger Sitkins 
       	      Agency Financial Management—The new era of acquisitions—You have four ways to respond—which will you choose? 
       	        By Rick Dennen 
       	      ISO Products Perspective—Do you recall that product withdrawal?—Coverage is available to protect against potentially huge losses 
       	        By Ron Beiderman 
       	      Customer Service Focus—Challenges in going from soft market to hard market—Despite market cycles, there is at least one constant 
       	        By Jackie Honomichl, AINS 
       	      Risk Managers' Forum—Workplace violence protection—An agent has the responsibility and the resources to mitigate the risk of violence 
       	        By Mark Reilly, CIC, CRM, CPCU 
       	      The Innovative Workplace—HR Insights from the world of sales and marketing—Applying successful marketing and sales strategies to employee relationships 
       	        By Don Phin 
       	      Internet Marketing—Put time back on your side—Get the entire staff involved in your agency's online marketing plan 
       	        By Adam DeGraide 
       	      Benefits Products & Services—Generation transition—The Hartford focuses on the future with outreach to Millennials 
       	        By Thomas A. McCoy, CLU 
       	      Public Policy Analysis & Opinion—18 U.S.C. section 1001—You cannot fool Mother Nature and you cannot lie to the IRS—legally 
       	        By Kevin P. Hennosy 
       	      Risk Management—Risks from tenants' questionable activities—New ISO endorsement excludes losses from renters' "by-products" 
       	        By Donald S. Malecki, CPCU 
       	        
       	      DEPARTMENTS 
                Court Decisions 
                Centuries of Rough Notes (Flipbook) 
                Rough Notes Staff 
                Reprints 
       	      
       	      ADVERTISERS INDEX & PRODUCTS PAGE (Flipook) 
       	        
               |