NATIONAL COVERAGE

S&P Says Nationals Safe, While Midwest-Focused

Insurers at Risk

N2 | Washington Report

House Subcommittee Moves Key Federal

Insurance Regulation Bills

N4 | Home Insurers Bitten by $350 Million

in Dog Claims

Average Liability Claim Tops $24,000

N6 | Conning: Insurers’ Financials Strong,

Despite Price Deterioration

Predicts Negative P/C Environment in Next 3 Years;

With Slight Price Increases

N8 | Misc. Professional Liability Endorsement

Creates Opportunities

Some 80% of Small Business Professionals Do

Not Carry Coverage

N12 | From Novelty to Necessity:

Bermuda’s Insurance Market in 2008

N21 | 2008 Excess, Surplus & Specialty

Markets Directory, Vol. II

MIDWEST COVERAGE

8 | America’s Safest Drivers Travel the Road

in America’s Heartland

South Dakota Drivers Lead the Way as the

Safest Drivers in the Nation

12 | Midwest States High on List for Numbers

of Tornadoes

Kansas Ranks Number 2 in the Nation and

Endures Most Severe Tornadoes

108 | Obtaining Optimal Catastrophe Coverage

Seven Ways Agents Can Partner with Wholesalers

IDEA EXCHANGE

N18 | Carrier Watch

Soft Market Hammers Commercial Carriers’ Stocks

N20 | Growing Your Property Casualty Agency

Remedying Common Personal Lines CSR Sales Excuses

104 | How to Become the Local Employer of Choice

Workers’ Comp Expert Advises Employers on

Surviving Today’s Demographics

114 | Closing Quote: AIG’s Troubles = Industry Troubles?

6 | Opening Note

9 | Snapshots

10 | People

N16 | MyNewMarkets

112 | Business Moves