10 N.Y. agents protest incidents as red flags

Should mere incidents affect pricing?

10 Laptop stolen from broker

HRH deals with lost data on Villanova

N1 Employee crime: big threat to small firms

More than one in three firms experience theft

N1 Commercial premiums continue to fall

All lines drop except coastal property

N1 Stolen data victims surveyed

26% of Americans report being victims of theft

N2 Democratic Congress OK for industry

Blue not a bad color for insurance issues

44 New governors, new commissioners

Industry expects changes in Mass., Md., N.Y.

45 Election results give Northeast more clout on insurance issues in Congress

Veteran Northeast Democrats to chair key committees in newly-blue Congress

48 Lame duck Romney team pushes ahead with auto high risk plan

Opponents argue change is unnecessary. What will Gov. Patrick do?

48 Conn. high court: waiver doesn’t

immunize negligent employer

Employers held to the same standards as

owners of recreational facilities

MARKET FEATURES

N6 SPECIAL REPORT: Surplus lines

Not your father’s wholesaler – today retailers have a choice

N9 The globalization of corporate

responsibility

D&O claims and demand are going global

N10 SPECIAL REPORT: Surplus lines

The locomotive that drives the insurance train

N16 Truckers seek to slow big-rigs

Association proposes max speed limits

N18 Falling asleep at wheel

Fatigue is a safety concern for many truckers

50 Pandemic avian flu: businesses ignore planning at their peril

How to prepare for 50% absenteeism and location shutdowns

IDEA EXCHANGE

N20 Improving agency valuation

Agency efficiency and staffing strategies

N24 Carrier Watch

Commercial lines prices up; carriers benefit

N26 Growing Your Property Casualty Agency

Attract high-end sales with personal insurance shoppers

N28 Where are all the young guns?

Be a part of the search for quality

professionals

50 N.Y. Workers’ Comp Trusts

Rising prices and broker concerns

54 Closing Quote: Power shift in the

political landscape

DEPARTMENTS

12 People

46 Business Moves

51 New Markets

54 Closing Quotes