IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers an

Welcome to Insurance Journal’s 14th Annual Program Directory, Volume II. Information contained in this 2005 directory has been compiled by IJ’s staff as a resource for readers. For the purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”