Inside This Issue
		PRIMARY COVERAGE
	Citizens agrees to resume writing builder's risk
	Will write new and renewals through end of year
 
	Miss. approves 90% wind pool rate hike
	Pool had requested 400% increase
 
	Vesta liquidation effects felt beyond Florida
	Insurer failure adds to Sunshine State' market woes
 
	W. Va. begins tagging firms without workers' comp
	State cracking down on uninsured employers
 
	Is the U.S. prepared for a cyber catastrophe?
	Business executives say, 'no'
 
	House bill to establish national disaster commission
	Calls for agent member on 17-member panel
 
	Congressional hearing held on terrorism and insurance
	Agents, risk managers and insurers call for long-term solution
 
	Employers' workers' comp costs on the rise
	Benefit payments in 2004 fall behind costs
 
	Best's 2006 European review
	Conference highlights same issues everywhere
 
	Florida readies loss mitigation grants for homeowners
	Matching grants up to $5,000 per home available
 
	Top 10 insurance scammers
	Over-subscribing doctor takes top honors
 
	Florida moving ahead with commercial linespool
	Industry cautions that JUA should be clearly defined
 
MARKET FEATURES
	Excess flood - when federal program isn't enough
	Coverage and E&O issues surrounding excess flood insurance
 
	Closer Look: Ocean Marine
	Report examines unique exposures of dredging
 
	Closer Look: Ocean Marine
	A few tidbits to know when writing yacht policies
 
	Spotlight: Energy Risks
	Strong underwriting principles key when insuring for profit
 
	Wagging the dog
	Reinsurance woes send primary carriers scrambling
 
SPECIAL REPORT: Target Markets
	
Leaders see now as good time to shop programs
SPECIAL REPORT: Program Snapshots
	
A close-up look at five specialty market
IDEA EXCHANGE
	Minding Your Business
	Coaches help teams and players rise to the top
 
	International Insider
	Chubb's Ellis on protecting your assets overseas
 
	Don't rush the courtship
	Partnerships with community organizations reduce risk
 
	
Closing Quote: The rewards of diversification and education