THE LOCOMOTIVE

N10

INSURANCE TRAIN

Excess and surplus lines market
continues to push growth, innovation

12

Poizner takes the helm

Newly elected commissioner Steve Poizner is poised to lead California

22

Saving $315 million

Wash. Gov. Gregoire: rate suspension could cut workers’ comp premiums

62

People yield century of success

Barney & Barney shares its nearly 100 years of agency best practices