10 Calif. DOI partners with CAL FIRE

November 4, 2007

Groups aim to prevent fire losses during height of wildfire season

10 Hawaii approves 19.3% workers’ comp decrease

NCCI recommended 16.8 percent drop

10 Calif. approves AAA’s 6.5% auto rate reduction

Carrier complies with auto rating factor regs

11 Survey: Calif.’s Hayward Fault “ready to pop”

139th anniversary since its last quake

12 Wyoming may revisit malpractice debate

Critics say little done to improve patient safety

12 Calif. aims for 5.2 percent workers’ comp rate increase

WCIRB ups recommendation from 4.2 percent

12 Customers concerned about Wash. referendum

Policyholder says State Farm letter seemed like a threat

14 Wash. medical malpractice claims decreasing

Report does not include surplus lines carriers

14 Nevada seeks federal disaster declaration

Funds would aid ranchers

18 Barney & Barney seeks gloves, masks

Will distribute goods to fire victims

18 Calif. low cost auto program expands

Available statewide by December

18 Wyoming occupational injuries decline

Wood product manufacturing had most injuries

20 Climate change may increase wildfires

Major wildfires exacerbated by invasive weed

24 Oregon motorcycle fatalities rise

Aging riders, bigger engines possible causes

26 Vehicle theft drops in 2006

700,000 vehicles not recovered last year

N1 Survey reports drop in new lawsuits

Actions filed against U.S. companies also declines

N2 Collateral conundrum

N.Y. steps out to deliver level playing field for all reinsurers

N4 Sparks fly in California

Devastating wildfires burn up $1 billion plus in claims

MARKET FEATURES

SPECIAL REPORT: Professional Liability

N8 Mapping out the lawyers professional liability policy

Most important coverage aspects that require attention

N16 Walking into a discrimination minefield

Small businesses at risk without employment practices liability coverage

N18 Workplace woes

Are abusive bosses or inferior employees to blame?

N20 The subprime meltdown and D&O

Subprime mortgage market sends out D&O shockwaves

N23 Value analysis in the D&O market

Understanding what’s inside Side A DIC

N26 States under cover

From coast to coast, states tackle natural disaster risk head on

N29 Closer Look: Homeowners

Satisfied homeowners policyholders buy more than one policy

N31 Closer Look: Homeowners

Homeowners insurers not earning cost of capital despite rate increases

78 Wildfires: Calif. agencies provide aid

Responding to clients top priority

80 Wildfires: Agent and broker associations reach out to members

Offer information, housing, other resources

82 Wildfires: Insurers used variety of resources to reach out to fire victims

Relief efforts abound

88 Moving away from the masses

Using custom imagery to differentiate services

92 Beating soft market management liability blues

Customers still need coverage

IDEA EXCHANGE

N32 Striking a balance on credit-based insurance scores

Awareness and scrutiny over use is growing

N35 Political risk: Converting mystery into opportunity

Demand for political risk coverage grows

N38 Carrier Watch

Commercial insurers stock prices, M&A activity flat in third-quarter 2007

N40 2007 Premium Finance Directory

N43 Minding Your Business

Resolve business disputes before they get out of control

N47 Spotlight: Premium Finance

Benefits and advantages of premium financing

96 Options Backdating: One year later

Defense expense has been borne by D&O insurers

102 Closing Quote: Five tips in dealing with wildfire losses

Agents should advise clients to persist in getting losses covered

DEPARTMENTS

16 People

22 Business Moves

98 My New Markets

N4

Sparks fly in California

Devastating wildfires burn up $1 billion plus
in claims