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
MIDWEST COVERAGE
	
Liberty Mutual to Phase Out 8 Regional Insurance Brands
	
Home Value Insurance Co. Dissolved
	
Missouri Department of Insurance Closes Two Receiverships
	
Michigan Bans Cellphone Use for Novice Drivers
	
Michigan Governor Signs Order Creating New Insurance Department
	
Confie Eyes More Expansion, Push Into Standard Lines
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
	
Declarations
	
Figures
	
People
	
Business Moves
	
MyNewMarkets