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June 1998

Well-diversified Michigan agency grows via aggressive marketing
Kurt Ewend, chairman and CEO of Saginaw Bay Underwriters, in Saginaw, Michigan, at the football stadium of Saginaw Valley State University.
Cover story photography by Phil Smith/ Photo Art Associates, Franklin, Indiana
FEATURES
Sponsored marketing recapturing the personal lines market
Encouraging trends indicate growth will continue.
Objects engender the "Ah-Ha"
Object based technology cuts development time for premium finance company and its partners.
Instant access to risk assessment tools
ChoicePoint's browser-based product is a cost effective way to get underwriting reports.
Covering high-tech entrepreneurs
An Atlantic Mutual program, available in a few states, is moving toward national distribution.
Invest in what?
InVEST in your agency's future.
Thinking outside the box
CAIR Systems' Explorer is a bold new step in agency automation.
Westfield's primary strength: responsiveness to its agents
Building relationships is just as important now as it was 150 years ago.
Committed to the agency system
Mercury's formula for auto market success: Underwrite carefully, pay full commissions and keep business on the books.
Managing EPL exposures involves more than providing coverage
A variety of risk management tools enables insureds to take a proactive approach.
EPL market continues its boom
An updated summary of some of the sources for coverage.

DEPARTMENTS
Court Decisions
Agents' Questions & Answers
Washington Perspective
Agency Management Technology
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
Risk Problems/Solutions
Coverage Concerns
Managed Marketing
Agency Financial Management
To the Point
Insurance Market Update
Maximizing Productivity
New Products
Risk Management
PF&M Companion
Centuries of Rough Notes
Rough Notes Staff
Reprints
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