Inside This Issue
		NATIONAL COVERAGE
	
Special Report: When Main Street Meets the Cloud
	
Special Report: 5 Startup Businesses Agents Should Watch
	
Closer Look: Nonprofit Job Growth in a Decade of Turmoil
	
Closer Look: Evaluating Public Entity Insurance Programs
	
Closer Look: Public Entity Self-Insured Retention Programs
	
Spotlight: Intellectual Property Risk Management
	
E&O Insights: Moving From a Claims-Made to an Occurrence Form
	
Employment Bias Complaints Against Private Sector at All-Time High
	
Conning: P/C Premiums to Grow 3%-4% in 2012
	
Tough U.S. Commercial Market Conditions in 2012, Marsh Says
MIDWEST COVERAGE
	
Businesses Oppose Proposed Ohio Fraud Legislation
	
Flood Damage in 2011 May Make 2012 Worse Along Mississippi River
	
Auto Premiums Lower in Iowa, N.D., S.D.
	
Missouri Sets Record with $21M in Claims Recoveries in 2011
	
Joplin Recovering
	
Ground Shifting for Medical Liability Insurers: Moody's
IDEA EXCHANGE
	
How to Maximize Producer Talent
	
Closing Quote: Hartwig
DEPARTMENTS
	
Opening Note
	
Declarations
	
Figures
	
People
	
Business Moves
	
MyNewMarkets