Inside This Issue
		NATIONAL COVERAGE
	
Lucky or Smart? Experts Weigh-In On P/C Industry's Sandy Impact
	
Policyholder Education: Who's Responsible?
	
Special Report: Where to Find Cyber Coverage
	
Closer Look: Surplus Lines Regulatory Picture for 2013
	
E&O Insights: Key Differences to Know in the E&S Market
	
2013 National Directory of Excess, Surplus & Specialty Markets, Vol. I
EAST COVERAGE
	
Liberty Mutual Dropping 8 Regional Brands
	
Sandy's Insured-Loss Tab Approaches $20B: Fitch
	
Mass. Bill Would Require Gun Insurance
	
Lawmakers Introduce Bills to Address Post-Sandy Concerns
	
Maine Adopts Uniform Standard for 'Independent Contractor'
	
What Employees Should Know About Healthcare Changes Ahead
	
N.Y. Gov.: New Workers' Comp Bill Will Offer Relief to Businesses
	
A Plan for New York to Prepare for Catastrophes
	
In N.J., Opponents File Appeal to Stop New PIP Regulations
	
State Farm, Sandusky End Insurance Coverage Dispute
	
Conn. Bill Would Allow PTSD Claims for Workers' Comp
IDEA EXCHANGE
	
Growing Your Property Casualty Agency: Shulman
	
The Competitive Advantage: Burand
	
How Brightway Insurance Changed Agency Management Systems
	
Closing Quote: Wholesalers Must Aim for High Hit Ratios
DEPARTMENTS
	
Opening Note
	
It Figures
	
Declarations
	
People
	
Business Moves
	
MyNewMarkets