10 Mass. AG opposes FAIR Plan rate hike

Reilly goes to court to block 12.4% rate hike

10 Carbon neutral agent in Virginia

Rutherfoord of Roanoke goes green

10 Command performance in N.Y.

Insurance mobile unit named best practice

12 Conn. caught up in coastal shutter

controversy

Moratorium provides a window for review

14 Spitzer, political foe, Greenberg spar over dropped charges

Is Spitzer case vs. former AIG chief unraveling or does crux remain?

14 Ill health for 9/11 rescue workers

Study shows problems tied to ground zero

N1 Business interruption limits losses from disaster

Owners often overlook this coverage

N1 Cutting employee incentives can hurt

Benefits good for retention, productivity,

profitability

N2 Most Americans favor mitigation

But oppose subsidies in high risk areas

N3 Specialty programs continue to grow

Starting new programs remains a challenge

N4 Reinsurers adopt ‘wait and see’ posture

Industry gathers for another Rendezvous

N6 Study reveals higher productivity

Benchmark for independent agencies

MARKET FEATURES

N8 Closer Look: Farm and Ranch

Farms need specialty breakdown coverage

N10Closer Look: Farm and Ranch

Farmers ask Senate for disaster relief program

N14P/C performance exceeding estimates

Fitch says first half of 2006 looking good

N20SPECIAL REPORT: Construction

Workers’ comp and the Latino construction workforce. Language, cultural barriers present safety challenges for industry and insurers

N24Specialized networks reduce workers’ comp costs

Study shows significant reductions in lost time, total costs

IDEA EXCHANGE

N25Young agents value rates, technology, insurer products

Survey polls professionals under 40

N26The best merger mentality

Think conservative and plan carefully for

successful transactions

N28Cutting the fat in state regulation

International panel debates regulatory costs

N30Growing Your Property Casualty Agency

Gain commercial appointments with

intriguing giveaways

N31The negligent premises liability

inspection

A potential liability for the insurer?

N35On the Street: Commentary

Newton’s Third Law

52 The Commissioners: New Jersey’s Steven Goldman

Exclusive interview: Striking the right balance between business and consumers

58 When insuring trade, expect the world

Cargo delayed, damaged, lost and stolen

62 A year past Katrina: what has been learned?

The chair of the Senate Homeland Security Committee takes stock

DEPARTMENTS

8 Editor’s Note

54 People

51 New Markets

56 Business Moves

62 Closing Quote

Topics Pricing Trends Massachusetts