Inside This Issue
		NEWS & MARKETS
	
Commercial Lines Rates in Q3 and 2018: IVANS
	
California Wildfires, Hurricane Michael Top List of 2018's Costliest Natural Disasters: Munich Re
SPECIAL REPORT
	
Who's Investing in the Agency System
	
Brightway Goes 'All In' on Independent Agents
	
2019 Excess, Surplus & Specialty Lines Directory, Vol. I
IDEA EXCHANGE
	
Strategies for Agency Survival in an App-First World
	
How to Prevent Small Business Clients from Hitting Cyber Blind Spots
	
Tech Talk: Who Owns Your Data?
	
The Wedge: How One Producer Went from a 2% to 11% Cold Calling Conversion Rate
	
Minding Your Business: Industry Trends to Exploit for 2019
	
Closing Quote: The Marketing Rep Cycle
REGIONAL
	
For New Governors, Natural Disasters Will Be Necessary Priority
	
People
	
Business Moves
NATIONAL DEPARTMENTS
	
Declarations
 
	
Figures
 
	
MyNewMarkets