Inside This Issue
		NATIONAL COVERAGE
	Why Agents Choose Other Markets
	Survey Says Some Agents Go Outside the Preferred, Mostly Due to Price
 
	Risk Managers Report Softening While Insurers Battle Surplus Declines
	P/C Insurers Take Hit in Q3; Some Sell Stock to Raise Cash for Surplus Woes
 
	Industry Gives Back to Cancer Research and Treatment Institute
	Sullivan Group's Chairman Leads Campaign for City of Hope Gala, Nov. 20
 
	Washington Report
	SEC Reports Big Jump in Enforcement Actions
 
	Washington Report
	Property/Casualty Insurers on Government Rescue Funds: No Thanks
 
	International Report
	IPODs are Broke; ING Gets Cash Injection; Climate Change for Fund Managers
 
	SPECIAL REPORT: Focus on Professional Liability
	More Lawsuits, Firmer Prices on the Horizon for Executive Liability
 
	Closer Look: Habitational/Dwellings
	Challenges Looming for Homeowners Insurance Market
 
	Closer Look: Habitational/Dwellings
	Personal Lines Ordinance or Law Exposures
 
	SPECIAL REPORT: Exclusive Agency E&O Survey
	A Winning E&O Defensive Strategy: How Agents Can Block Claims
 
	SPECIAL REPORT: Exclusive Agency E&O Survey
	Agents Joe and Jo on AIG and E&O
 
	SPECIAL REPORT: Exclusive Agency E&O Survey
	More E&O Coverage for a Reasonable Price Suits the Average 'Joe and Jo'
 
	SPECIAL REPORT: Exclusive Agency E&O Survey
	How Independent Agents Reduce E&O Exposure
 
	SPECIAL REPORT: Focus on Professional Liability
	Increased Vulnerability of Executive Suite Makes D&O a Critical Coverage
 
MIDWEST COVERAGE
$395 Million Approved for Flood, Tornado Recovery in Iowa
	Iowa cities still recovering from catastrophes earlier in 2008
	
 
	Minn. Fines Agency for Ad Exploiting AIG Situation
	Department Lays Down Law on Negative Advertising
 
	Brooke Corp. Troubles Continue as Stock is Sold
	Franchise Faces Lawsuits in Many States
 
IDEA EXCHANGE
	The Battle to Preserve Agency/Broker Value
	Agencies Stuck in ‘Molasses’ Could See Declines in Value
 
	AIG Crisis Highlights the Need for Insurance Professionalism
	Are You an Insurance Professional or an Insurance Hack?
 
	Letter to the Editor
	CPCU: Employers Can Help to Increase Professionalism
 
	Minding Your Business
	Quality Counts! How to keep problems from turning into claims
 
	Carrier Watch: Commercial P/C Insurers’ Stocks Down 14%; M&A Activity High
	
 
	Has the Credit Crisis Litigation Wave Reached an Inflection Point?
	
 
	D&O Insurance Marketplace Entering a Transitional Phase
	
 
	Closing Quote: Reputational Risk ... at Risk 
	Corporate Citizenship Could Offer Best Mitigation Strategy
 
DEPARTMENTS
- Opening Note
- It Figures
- Declarations
- People
- MyNewMarkets