Inside This Issue
		NATIONAL COVERAGE
	
Special Report: Chairman Nelson Charts Future Course for Lloyd's
	
Spotlight: Lloyd's Syndicate ANV
	
Closer Look: State of the Surplus Lines Market
	
Will Regulatory Reform Trigger Doomsday for Captives?
	
Academy of Insurance: There Must Be Coverage Somewhere
	
Academy of Insurance: 4Q Schedule
	
Academy of Insurance: Success Stories
	
Is Long-Term Care Insurance Dying?
	
Satisfaction with Home Insurers at 12-Year High
	
Employees Staying Put Even If Unhappy: Survey
	
2012 Agency Financial Products Directory
SOUTHEAST COVERAGE
	
Alabama Targets Uninsured Motorists
	
Florida Approves State Farm 6.4% Increase
	
Mississippi Challenge to Death Certificate As Evidence
	
West Virginia Business Court to Open
	
Alabama Senior Driver Credits
	
Insurer of Home Values Fails
	
Agency to Help Florida's Space Business Take Off
	
Florida's Citizens Defends Proposed 11.2% Rate Increase
FOCUS ON FLORIDA: SUNRISE FOR SOLUTIONS
	
Reinsurers and Capital Markets: Competitors or Complements?
	
Florida's Depopulation Plan: Citizens Loans to Private Insurers
	
Idea Exchange: Joseph Petrelli, Demotech Citizens' Depopulation and Rates: A Practical Solution
	
Idea Exchange: Rep. Frank Artiles, R-Miami Why Citizens' Loan Plan Is Bad Idea
	
Idea Exchange: Matt Chamberlain, Milliman
	
Rating Hurricane Risk in Florida: How Geocoding Can Lead to More Accurate Pricing
	
Florida Surplus Lines Snapshot Market Statistics from Florida Surplus Lines Service Office
IDEA EXCHANGE
	
International Insider: Chubb's Ellis & Goldstein
	
Minding Your Business: Oak & Schoeffler
	
What Makes a Marginal Producer?
	
Selling Your Agency Before Year-End
	
Closing Quote: Steve Richerson
DEPARTMENTS
	
Business Moves
	
Figures
	
MyNewMarkets
	
Opening Note
	
People