Table Of Content

Rough Notes Magazine Index for 1994 Automation New OSHA guidelines will have impact on agents and their customers Automating the behavior profiling process Phil Zinkewicz, October 12 Nancy Doucette, January Ken Butler, January ‘ Fax Poil Results Going graphical with presentation software Readers show strong interest in life-health & financial services Nancy Doucette, February February 14 How do you LASER. Nancy Doucette, March Two years after talks collapse, agents overwhelmingly call for The Practical PC—Multi-tasking & IBM’s OS/2 TA merger March 9 Ken Butler, March Fax poll respondents are into serious automation SEMCI update: No single solution for single entry multi-company interface Nancy Doucette, April Agents interested in programs for restaurants, contractors, Windows: The future is just around the corner health care and workers comp Dennis H. Pillsbury, April Agents ex: the probl and the opportunities in PDAs ( personal digital assistants): personal lines July 63 Cutting edge electronics or costly toys? Phil Zinkewicz, April Agents are critical of company reorganizations Electronic mail enhances agent/client relationship October 9 Peter van Aartrijk, Jr., CIC, April 24 Where in the automation universe will SEMCI dwell? November 9 Nancy Doucette, May 14 The Practical PC—Information “ ‘insurance”—Protecting your data Ken Butler, May 30 General Articles Rare air setting for automation camp as unique as the opportunities it provides Nancy Doucette, June 20 Fifth annual Marketing Agency of the Year contest Computing companions Nancy Doucette, July 20 January 6 The Practical PC—Thinking about the unthinkable— Making a case for business and marketing planning Can your data survive a disaster? ............... Ken Butler, July 44 John P. Creveling, March 26 General liability for home builders Tony Wilkie, March 86 Automation solutions—Getting serious about automation Nancy Doucette, August 18 Young Georgia firm is voted Marketing Agency of the Year Thomas A. McCoy, April Nancy Doucette, September 24 When your client’s home and office are the same place Phil Zinkewicz, June The Practical PC—The care and feeding of hard disks Ken Butler, September 94 Agena for Windows: A window of opportunity for agents Robert L. Stewart, July Nancy Doucette, October 14 Four kings of the insurance community July Automation committees: Boon or bane? Canadian carrier gives insureds more than standard coverage Nancy Doucette, November 10 Phil Zinkewicz, August The Practical PC—Preventing, detecting and curing viruses Improving productivity of agency producers Ken Butler, November 34 Gil C. Simonds, CPCU, August Nancy Doucette, December 24 How can agents capitalize on trends in niche marketing, program administration? .............. Phil Zinkewicz, September The surety bond picture is undergoing a change in focus Coverage Concerns Robert L. Stewart, October CEO Forum—What does the future hold for P/C insurance Premium reallocation and coverage adjustments protect personal IIIT 5 oa cs inne a cas metas cweneisiemeaeniasd November i insurance accounts Roy C. McCormick, January 34 Agents’ Legal Issues—Agency non-competition agreements Sewer backup endorsement removes a homeowners policy problem Randall Kleinman, JD, CPCU, November Roy C. McCormick, February 64 What are the implications of Lloyd’s lawsuit settlement? Reporting form values must be submitted on time Phil Zinkewicz, December Roy C. McCormick, March 49 Contingency bonuses: a key factor in evaluating carriers Knowing commercial coverage exclusions, limitations and Chris Burand, December endorsement options is essential Roy C. McCormick, April 50 How personal property and liabilityi e e apply to travel abroad we McCormick, May 12 Life/Health & Financial Services Mutual release from liability for property Pn th is beneficial to Life business helps make up for soft P/C market business relationships Roy C. McCormick, June ThomasA . McCoy, CLU, January Credit card forgery reports underscore value of homeowners P/C agents focus on life products as market pueseeee prevail fraud protection Roy C. McCormick, July hil Zinkewicz, January Guidelines for “special” features of the homeowners special form CEO Forum—Executives respond to health care reform proposals Roy C. McCormick, August January Courts define boundaries for covering “vacant land” Marketing support from companies makes “life” easier under homeowners Roy C. McCormick, September for P/C agents Thomas A. McCoy, CLU, February New flood insurance condominium master policy creates sales How to get some life in your agency—Part 1 and service opportunities Roy C. McCormick, October Grant W. Davis, February The case of the errant golf ball—Did the golfer yell “Fore”? How to get some life in your agency—Part 2 Roy C. McCormick, November Grant W. Davis, March Explain retroactive date guidelines to minimize Annuity-linked product provides access to long-term care claims-made coverage problems Roy C. McCormick, December Thomas M. Maher, March Lack of market penetration by life competitors spells Critical Issue Report opportunity for P/C agencies omas A. McCoy, CLU, April Physical fitness a Part of agency’s new Life insurance executives discuss future of their business commitment to ThomasA . McCoy, CLU, May at conference Samuel Schiff, January 42 Small group health is not so small for some P/C agencies Building code effectiveness and enforcement to become part of Thomas A. McCoy, CLU, June underwriting criteria Dennis H. Pillsbury, February 8 Plan ahead with a buy-sell agreement Winter storm losses mount while earthquake damages Thomas A. McCoy, CLU, July 34 continue to be tallied Samuel Schiff, March 16 Change swirls around the health insurance field Industry losses from Southern California earthquake aren’t as Phil Zinkewicz, August 46 important as the trend in catastrophe losses .Phil Zinkewicz, April 54 Utilizing pension and profit sharing plans: That’s life! The effect of the 1993 Tax Act on insurance agency valuation Tom Eschmann, September 22 Herbert O’Keefe, CPA, Ph.D. & Frank Hodges, Ph.D., May 21 Hanover Insurance provides new forms of life sales support Solving the Superfund problems: Reauthorization bill would Thomas A. McCoy, CLU, October 88 produce more clean-ups, less litigation? Maybe! Two agents and a consultant debate role of P/C agent Dennis H. Pillsbury, September 14 in life market November 22 ROUGH NOTES Rough Notes Magazine Index for 1994 Automation New OSHA guidelines will have impact on agents and their customers Automating the behavior profiling process Phil Zinkewicz, October 12 Nancy Doucette, January Ken Butler, January ‘ Fax Poil Results Going graphical with presentation software Readers show strong interest in life-health & financial services Nancy Doucette, February February 14 How do you LASER. Nancy Doucette, March Two years after talks collapse, agents overwhelmingly call for The Practical PC—Multi-tasking & IBM’s OS/2 TA merger March 9 Ken Butler, March Fax poll respondents are into serious automation SEMCI update: No single solution for single entry multi-company interface Nancy Doucette, April Agents interested in programs for restaurants, contractors, Windows: The future is just around the corner health care and workers comp Dennis H. Pillsbury, April Agents ex: the probl and the opportunities in PDAs ( personal digital assistants): personal lines July 63 Cutting edge electronics or costly toys? Phil Zinkewicz, April Agents are critical of company reorganizations Electronic mail enhances agent/client relationship October 9 Peter van Aartrijk, Jr., CIC, April 24 Where in the automation universe will SEMCI dwell? November 9 Nancy Doucette, May 14 The Practical PC—Information “ ‘insurance”—Protecting your data Ken Butler, May 30 General Articles Rare air setting for automation camp as unique as the opportunities it provides Nancy Doucette, June 20 Fifth annual Marketing Agency of the Year contest Computing companions Nancy Doucette, July 20 January 6 The Practical PC—Thinking about the unthinkable— Making a case for business and marketing planning Can your data survive a disaster? ............... Ken Butler, July 44 John P. Creveling, March 26 General liability for home builders Tony Wilkie, March 86 Automation solutions—Getting serious about automation Nancy Doucette, August 18 Young Georgia firm is voted Marketing Agency of the Year Thomas A. McCoy, April Nancy Doucette, September 24 When your client’s home and office are the same place Phil Zinkewicz, June The Practical PC—The care and feeding of hard disks Ken Butler, September 94 Agena for Windows: A window of opportunity for agents Robert L. Stewart, July Nancy Doucette, October 14 Four kings of the insurance community July Automation committees: Boon or bane? Canadian carrier gives insureds more than standard coverage Nancy Doucette, November 10 Phil Zinkewicz, August The Practical PC—Preventing, detecting and curing viruses Improving productivity of agency producers Ken Butler, November 34 Gil C. Simonds, CPCU, August Nancy Doucette, December 24 How can agents capitalize on trends in niche marketing, program administration? .............. Phil Zinkewicz, September The surety bond picture is undergoing a change in focus Coverage Concerns Robert L. Stewart, October CEO Forum—What does the future hold for P/C insurance Premium reallocation and coverage adjustments protect personal IIIT 5 oa cs inne a cas metas cweneisiemeaeniasd November i insurance accounts Roy C. McCormick, January 34 Agents’ Legal Issues—Agency non-competition agreements Sewer backup endorsement removes a homeowners policy problem Randall Kleinman, JD, CPCU, November Roy C. McCormick, February 64 What are the implications of Lloyd’s lawsuit settlement? Reporting form values must be submitted on time Phil Zinkewicz, December Roy C. McCormick, March 49 Contingency bonuses: a key factor in evaluating carriers Knowing commercial coverage exclusions, limitations and Chris Burand, December endorsement options is essential Roy C. McCormick, April 50 How personal property and liabilityi e e apply to travel abroad we McCormick, May 12 Life/Health & Financial Services Mutual release from liability for property Pn th is beneficial to Life business helps make up for soft P/C market business relationships Roy C. McCormick, June ThomasA . McCoy, CLU, January Credit card forgery reports underscore value of homeowners P/C agents focus on life products as market pueseeee prevail fraud protection Roy C. McCormick, July hil Zinkewicz, January Guidelines for “special” features of the homeowners special form CEO Forum—Executives respond to health care reform proposals Roy C. McCormick, August January Courts define boundaries for covering “vacant land” Marketing support from companies makes “life” easier under homeowners Roy C. McCormick, September for P/C agents Thomas A. McCoy, CLU, February New flood insurance condominium master policy creates sales How to get some life in your agency—Part 1 and service opportunities Roy C. McCormick, October Grant W. Davis, February The case of the errant golf ball—Did the golfer yell “Fore”? How to get some life in your agency—Part 2 Roy C. McCormick, November Grant W. Davis, March Explain retroactive date guidelines to minimize Annuity-linked product provides access to long-term care claims-made coverage problems Roy C. McCormick, December Thomas M. Maher, March Lack of market penetration by life competitors spells Critical Issue Report opportunity for P/C agencies omas A. McCoy, CLU, April Physical fitness a Part of agency’s new Life insurance executives discuss future of their business commitment to ThomasA . McCoy, CLU, May at conference Samuel Schiff, January 42 Small group health is not so small for some P/C agencies Building code effectiveness and enforcement to become part of Thomas A. McCoy, CLU, June underwriting criteria Dennis H. Pillsbury, February 8 Plan ahead with a buy-sell agreement Winter storm losses mount while earthquake damages Thomas A. McCoy, CLU, July 34 continue to be tallied Samuel Schiff, March 16 Change swirls around the health insurance field Industry losses from Southern California earthquake aren’t as Phil Zinkewicz, August 46 important as the trend in catastrophe losses .Phil Zinkewicz, April 54 Utilizing pension and profit sharing plans: That’s life! The effect of the 1993 Tax Act on insurance agency valuation Tom Eschmann, September 22 Herbert O’Keefe, CPA, Ph.D. & Frank Hodges, Ph.D., May 21 Hanover Insurance provides new forms of life sales support Solving the Superfund problems: Reauthorization bill would Thomas A. McCoy, CLU, October 88 produce more clean-ups, less litigation? Maybe! Two agents and a consultant debate role of P/C agent Dennis H. Pillsbury, September 14 in life market November 22 ROUGH NOTES Long term disability preserves career earnings E&O policy’s insolvency provision may be subject to two meanin Daniel Barbiero, December 46 Donald S. Malecki, CPCU, June 26 Understanding the insurance requirementso f volunteer firefighters Donald S. Malecki, CPCU, July 42 Marketing ISO’s new motor carrier coverage form will provide more flexibility Fighting insurance fraud with information than truckers form Donald S. Malecki, CPCU, August 22 Phil Zinkewicz, January 14 Flouishing bed and breakfast enterprises should prompt Selling to franchisees where the franchiser offers producers to re-evaluate homeowners accounts insurance coverage Dennis H. Pillsbury, February 56 Donald S. Malecki, CPCU, September 89 Agent Global Marketplace—Agents seeking marketing opportunities Inquiries regarding prospects’ previous business relationships can find the world is at their doorstep Phil Zinkewicz, March 18 will prevent liability claim problems Opening up personal umbrella marketing opportunities Donald S. Malecki, CPCU, October 29 Thomas A. McCoy, March 22 Latest adjustments in ISO’s personal auto policy: Not all Atlantic Mutual’s strength lies in choosing its niches changes are restrictions Donald S. Malecki, CPCU, November 36 Phil Zinkewicz, April Per claim deductibles for commercial liability insureds— Agent Global Marketplace—Pooling arrangements can give a cost-cutting technique which can prove costly U.S. agents access to Lloyd’s Phil Zinkewicz, May Donald S. Malecks, CPCU, December 38 When it comes to providing bonds, American Insurance Agencies says “We'll bend over backwards!” Special Sections Agent Global Marketplace—Companies respond to agents seeking to grow internationally Phil Zinkewicz, June ACORD Conference ’94 February 17-26 Agent Global Marketplace—Lloyd’s placement of excess CAT Dennis H. Pillsbury, February 42-54 business through dedicated intermediary may The Alliance for Productive Technology (APT) , September 41-72 have ominous implications Phil Zinkewicz, August Professional Liability Underwriting Society (PLUS) Auto-homeowners packages look like a winner Dennis H. Pillsbury, October 31-74 Thomas A. McCoy, September The auto service business: A big market of small shops Thomas A. McCoy, December Specialty Lines Insuring special treasures Phil Zinkewicz, January 10 Marketing Agency of the Month Pollution isn’t such a dirty word anymore Phil Zinkewicz, February 28 Cross selling is easy Dennis H. Pillsbury, February 10 Risk retention group offers alternative for ski industry Writing lawyers in the Lone Star State . .Dennis H. Pillsbury, March 10 Christine Many, February 58 Chandler-Frates & Reitz is a family business—an extended family Specialty market outlook—1994 Dennis H. Pillsbury, April 6 Wallace L. Clapp, Jr., CPCU, March 34 Employee and client involvement: Keys to success for Pumping up agency profits: Insuring sports and fitness centers Rue Insurance Dennis H. Pillsbury, May 10 Nancy Egan, March 38 Internally generated growth propels Waco, Texas agency Special liability coverages for environmental consultants, Dennis H. Pillsbury, June 6 contractors Wallace L. Clapp, Jr., CPCU, March 42 Opportunity knocked: SB&T answered ... Dennis H. Pillsbury, July 6 East side, west side: An agent’s guide to available Small family agency merges to stay competitive municipal coverages Robert L. Stewart, March 50 Dennis H. Pillsbury, August 6 Aquaculture: One of several growth markets in inland marine field St. Louis agency focuses on risk management services Dennis H. Pillsbury, March Phil Zinkewicz, September 6 Keeping a bad hair day from ruining your day Independent and planning to stay that way Dennis H. Pillsbury, March Seoul H. Pillsbury, October 10 Trade agreements expected to boost amount of global travel New Jersey agency takes control of its own niche Robert L. Stewart, March marketing strategy Phil ‘sree November 6 Failed marriage = divorce; failed counsel = lawsuit Perpetuating the system and enhancing incom Christine Many, April Dennis H. “Pillsbury, December 10 Bermuda, the Cayman Islands and other ports of call: The off-shore cruise Dennis H. Pillsbury, May Proactive Marketing CEO Forum—Specialty market executives discuss eee ay “Rating” commercial clients and prospects on fire prevention Return to the wild blue yonder? ........... _— L. Stewart, June can pay dividends Ro bert L. Stewart, January 56 Insurers carve niche for golf course program: “On the road again” to increased commercial auto premium Wallace L. Basie Jr., CPCU, June Robert L. Stewart, March 92 Dance studios—A market as yet un-“tapped” As personal lines makes a comeback, carve out your share! Phil Zinkewicz, June Robert L. Stewart, May 76 Insuring contractors’ rental equipment .. .Dennis H. Pillsbury, July How to survive a hotel fire Robert L. Stewart, June 62 The limo market: A cautionary tale Dennis H. Pillsbury, July “Advertorials” provide a two-way opportunity to distinguish Tapping the market for microbreweries . .Jessica Porchetta, August an agency Robert L. Stewart, July 58 Sewage treatment goes private, creating insurance risks Insurance marketing and sales concepts to contemplate and rewards Phil Zinkewicz, September Robert L. Stewart, August 50 Miscellaneous professional liability—a new and growing world Guiding your clients and prospects to the safe use of ener; of exposures Wallace L. Clapp, Jr., CPCU, September Robert L. Stewart, September 100 Insuring gambling boats Dennis H. Pillsbury, October Ask your commercial prospects: “How much do you want to The essentials of parade insurance Jessica Porchetta, October bet you’re underinsured?” Robert L. Stewart, October 98 Market continues on soft side Holiday hazards—fire, crime, decorations, winter weather— Wallace L. Clapp, Jr., CPCU, November You can make a difference this year . Robert L. Stewart, November 66 Insuring camps and youth recreation—attractive business, Remember “20 Questions”? Here’s an insurance version but not always fun and games Robert L. Stewart, November to challenge your clients Robert L. Stewart, December 50 Sports & leisure industry presents ample marketing opportunities for agents Phil Zinkewicz, November Rebuilding Cost Chart Liquor liability: Insurance for a happy holiday season Samuel Schiff, November Rebuilding cost chart—Spring Specialty niche programs take on increasing importance for Rebuilding cost chart—Summer growth-oriented agencies hil Zinkewicz, November Rebuilding cost chart—Fall Reinsurers express cautious optimism at the 1994 Rendez Rebuilding cost chart—Winter Nancy Egan, November Coverage for skating rinks; available for well-managed facilities Dennis H. Pillsbury, December Risk Management Pollution coverage should be offered to virtually every client Dennis H. Pillsbury, December Insuring the unique exposures of municipalities requires careful wen of policy language . .Donald S. Malecki, CPCU, January To The Point Court decides agency’s activity on behalf of insured is “intentional act” and denies coverage for third party suit Insurance consumers wary of insurance regulators Donald S. Malecki, CPCU, February 6 Paul S. Brown, January Personal umbrella answers important need but producers must PIA’s advice on agency contracts: Look before you leap fit the product to the exposure ...Donald S. Malecki, CPCU, March 7 Dennis H. Pillsbury, March 78 Providing coverage for limited partnerships Why represent a small regional company? ..... Harry Bordner, May 45 Donald S. Malecki, CPCU, April Much ado about upload, download Ken Butler, August 26 Seemingly simple liability exclusion should be A wide range of legislative initiatives must be carefully carefully considered Donald S. Malecki, CPCU, May 42 monitored by the insurance industry .. .Paul O. Stillman, December 8 DECEMBER 1994 etpded h e