Inside This Issue
		NEWS & MARKETS
	
P/C Insurers Boosted Underwriting Profit, Surplus in 2019's First 9 Months
	
Trump Administration Issues New Rule on Joint Employer Liability
	
Recreational Cannabis Impairs Driving Even When Driver Not High: Harvard Research
SPECIAL REPORT
	
Closer Look: How Parametric Insurance Can Help Fill the Gap Where Traditional Insurance Falls Short
	
Spotlight: Helping Policyholders Get in Shape for the New Year
	
2020 Excess, Surplus & Specialty Lines Directory, Vol. I
IDEA EXCHANGE
	
The Competitive Advantage: Why Traditional Independent Agents, Carriers Need to Partner and Align Now More Than Ever
	
Tech Talk: The Battle Over Agency Data
	
Ask the Insurance Recruiter: Compensation Is Your Agency's #1 Recruiting Tool
	
Is It Covered?: The Unimpeachable Case of the Word 'Are'
	
Closing Quote: 3 Ways to Build a Culture that Embraces New Thinking
DEPARTMENTS
	
Opening Note
 
	
Declarations
 
	
Figures
 
	
People
 
	
Business Moves
 
	
My New Markets