Inside This Issue
		NATIONAL COVERAGE
	
Advisen: Historians May See 2013 as 'Cyber Tipping-Point'
	
P/C Insurers' CFOs Point to Hardening Markets: Towers Watson
	
Aon Benfield: U.S. Homeowners Market Offers Growth Opportunities
	
E&O Insights: What Could Go Wrong When Insuring Habitational?
	
10 Things to Know About Habitational and Dwelling Risks
	
How Health Law Could Affect Medical Professional Liability
	
Special Report: Professional Liability E&O Dangers for Agents, Plus Exclusive Agency E&O Survey Results
	
50 Vulnerable E&O Areas in Agencies Today
	
M&A Review: 3Q Activity Picks Up Pace
EAST COVERAGE
	
A Year After Sandy, a Slow Recovery for Thousands
	
Mass. DOI Says Producers May Charge Fees
	
Complaints Mount Over Penn. Online Workers' Comp System
IDEA EXCHANGE
	
Increasing Retentions: The Hidden Premium Increase
	
The Fight Against Employee Theft
	
Franchise Opportunities
	
Minding Your Business: Oak & Schoeffler
	
Closing Quote: Technology, Government & Modernization
DEPARTMENTS
	
Declarations
	
Figures
	
People
	
Business Moves
	
MyNewMarkets