Inside This Issue
		NEWS & MARKETS
	
Commercial Insurance Market Stable in 2020: A.M. Best
	
Applied Systems to Acquire Indio to Digitize Commercial Lines Sales
	
U.S. Commercial Insurance Prices Were Up 4% in Q3: WTW
	
Fitch Sees Stronger Commercial Lines But Weaker Auto, Workers' Comp Results Coming
	
Cryptocurrency Fraud Losses Surge to $4.4 Billion: CipherTrace Report
	
Strong Revenue Growth for U.S. Public Insurance Brokers: Fitch
	
A.M. Best Sees Personal Insurance Business Outlook Remaining Stable for 2020
	
Political Risk Losses Up in 2019, Hitting 68% of Surveyed Firms
SPECIAL REPORT
	
Special Report: How One Independent Agency is Changing the World
	
Special Report: California Agent Brings Christmas 'Sparkle' to Those in Need
	
Special Report: City of Hope's 2019 Efforts Raising Hope for Disease Cures
	
Special Report: The Charity Issue - Photos of Giving
	
Closer Look: Insurer Market Conduct Troubles Often Traced to Claims Handling Errors
	
Spotlight: Top 25 P/C Insurers' Direct Premium Written Up 4.9%
IDEA EXCHANGE
	
What Captive Agents Transitioning to Independent Agents Should Consider in Agency Management Systems
	
Ask the Insurance Recruiter: 5 Signs You Need Help for Client Service Openings
	
When Words Collide: Resolving Claim Disputes - Plead Your Case
	
The Competitive Advantage: The Power and Failure of Anecdotes
	
The Wedge: Why Hiring New Producers is Such a Crapshoot
	
Minding Your Business: How to Lower Agency Value
	
Building Corporate Citizenship Programs that Attract Top Talent
	
Closing Quote: Build on Corporate Social Responsibility to Secure the Next Generation
DEPARTMENTS
	
Opening Note
	
Declarations
	
Figures
	
Business Moves
	
People
	
My New Markets