Inside This Issue
		NATIONAL COVERAGE
	
Report Shows Nearly 5 Million Homes Endangered by Wildfires
	
Tower Group to Cut 140 Jobs After Q2 Loss Due to Reserve Charges
	
Workers' Compensation Results Improved in 2012
	
Lexington's President on State of the Surplus Lines Market
	
Special Report: Program Market Grows 10% in 2012
	
E&O Insights: Pearsall on Employee Benefits
	
When Coverage Isn't Enough: Managing Risk a Challenge for Insureds
	
2013 Program Directory, Vol. II
SOUTHEAST COVERAGE
	
Private Flood Insurance Interest in Florida
	
Bills to Delay Flood Hikes Stalled
	
FEMA Fights Mississippi Suit Against Flood Hikes
IDEA EXCHANGE
	
Essentials: The Mutual Mistake Doctrine and the Purchase of Insurance
	
Become a 'Brand Behemoth' in Your Market by Seizing the Digital Moment
	
Minding Your Business: Catherine Oak
	
Closing Quote: Independent Agents, Regional Carriers, Innovation and Excellence
DEPARTMENTS
	
Opening Note
	
Declarations
	
Figures
	
People
	
Business Moves
	
MyNewMarkets