Inside This Issue
		NATIONAL COVERAGE
	
Closer Look: Offering Umbrella Coverage Helps Guard Against E&O Claims
	
Personal Umbrellas: Don't Let Clients Count on Luck
	
Special Report: Construction Delays and Financing Risks
	
Special Report: How Contractors Can Plan Ahead for Crisis
	
Special Report: Environmental Coverage for Contractors
	
Spotlight: Brokers See No Change in Sight for Apartment Market
	
Commercial Prices Still Flat But Workers' Comp Moving Up
MIDWEST COVERAGE
	
U.S. Retailers Report Rise in Organized Crime, Cargo Theft
	
Insurers Must Cover Flood Re-Located Property in South Dakota
	
Court Clears Michigan Storage Owner in Customer's Death
	
Iowa Flood Buyouts
	
Illinois Passes Workers' Comp Reform
	
Report: Locking Cells Didn't Injure Guards at Illinois Prison
	
FEMA: No Last Minute Flood Insurance
IDEA EXCHANGE
	
Loophole in Missouri Law Puts Employers at Risk
	
Growing Your Property Casualty Agency : Shulman
	
International Insider: Ellis
	
Closing Quote: Seamus Gillen
DEPARTMENTS
	
Opening Note
	
Declarations
	
Figures
	
People
	
MyNewMarkets