8 N.J. still rates at the top

Competition helps but drivers still pay most

8 Maine cop hit by police car covered

Court rules in the case of a stolen police car

8 N.Y. to issue illegal immigrants licenses

Supporters see fewer uninsured motorists

10 Mass. warned on coastal

development and insurance

Special commission on coastal coverage

readies report

10 Maine strengthen laws on bike

helmets and seat belts

Also, restricts teen drivers’ use of cell phones

N1 Major Internet disruption would

cause $250 billion in damages

New report urges CEOs to take action now

N2 Supreme Court to hear case on

product liability law

Case centers on whether federal regulation preempts state law

N4 House-passed flood insurance bill includes windstorm option

But White House threatens veto

N6 The offshore reinsurance tax debate resurfaces in Congress

Domestic insurers claim Bermuda

gives unfair advantage

44 Plaintiffs fail to prove racketeering by Marsh, insurers and brokers

Dismissal of charges follows earlier dismissal of antitrust complaint

45 Fired-up over safe cigarettes

Now 21 states require cigarettes to be self- extinguishing

46 Former franchisees challenge

Brooke Corp. agent dealings

But fast-growing franchisor denies

misleading any agents

MARKET FEATURES

N10 SPECIAL REPORT: Salute to Program ManagersPrograms Unplugged

How program managers succeed without association endorsements

N14 2007 Risk Retention Group Directory

N16 Niche writing and the soft market

Program diversification helps face increased competition

N17 Advice for starting a captive

How to choose the right service providers

N19 Data breaches leave

businesses exposed

New data compromise coverage helps

businesses to respond

N22 Closer Look: Business Owner Policies

Today’s BOPs offer more coverage options for business owners

IDEA EXCHANGE

N24 Minding Your Business

The good, the bad and the ugly on owner

compensation

54 Closing Quote: Why actuaries

oppose adding wind to flood

Not a good idea, says American Academy

of Actuaries

DEPARTMENTS

12 People

49 New Markets

6 Opening Note

50 Business Moves

54 Closing Quotes

Topics New Jersey