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 Claims-Made to Occurrence
	
Employment Bias Complaints at All-Time High
	
Conning: P/C Premiums to Grow 3%-4% in 2012
	
Tough U.S. Commercial Market Conditions in 2012, Marsh Says
SOUTHEAST COVERAGE
	
Workers' Comp Rate Hike Irks Florida Businesses
	
Florida Guaranty Fund Not Responsible for Legal Fees
	
Churchill Downs, Jockeys Reach Insurance Pact
	
Damage from 2011 Floods Could Make 2012 Worse
	
Florida's Citizens Eyes Risk Transfer
	
Georgia Jury Awards $2.3M in Kroger Case
	
Increase in U.S. Tort Costs Driven by Gulf Oil Spill: Study
IDEA EXCHANGE
	
How to Maximize Producer Talent
	
Closing Quote: Hartwig
DEPARTMENTS
	
Opening Note
	
Declarations
	
Figures
	
People
	
Business Moves
	
MyNewMarkets