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
SOUTHEAST COVERAGE
	
Kentucky Schools Forced to Find Insurance
	
Mississippi Insurance Chief Has Exchange Authority
	
Liberty Mutual Dropping
	
Regional Brands
	
Confie Seguros Expanding Into Standard Lines, Small Commercial
	
What Employees Should Know About Healthcare Changes Ahead
	
Florida Audit Hits Citizens Travel Expenses
IDEA EXCHANGE
	
After the Storm: Avoiding Agents' E&O
	
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
	
MyNewMarkets
	
Closing Quote