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110 ROUGH NOTES
READER SERVICES
ADVERTISERS PRODUCTSADVERTISERS INDEX
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AAMGA. . . . . . . . . . . . . . . . . . . . . . . . 79
ASPN/Agency Specialty Product Network . . . . . . . . . . . . . . . 15
Addis Intellectual Capital, LLC . . . . . . 73
Agency Revolution . . . . . . . . . . . . . . . 11
Agribusiness Conference (Regions 1,5) . . . . . . . . . . . . . . . . . . 83
AmWINS Group, Inc. . . . . . . . . . . . . . . 9
Applied Systems . . . . . . . . . . . . . . IFC,1
Applied Underwriters . . . . . . . . . . . . . . 7
Astonish Results. . . . . . . . . . . . . . 2,3,17
Big “I” Advantage Virtual Risk Consultant . . . . . . . . . 117
Bolton & Company (Regions 2,3) . . . . . . . . . . . . . . . . . . 93
BrickStreet Insurance (Region 2) . . . . . . . . . . . . . . . . . . . . 89
Brownyard Group . . . . . . . . . . . . . . . . 71
Burns & Wilcox . . . . . . . . . . . . . . . . . . 37
CBIP Management, Inc. . . . . . . . . . . . 53
CNA . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Central Insurex Agency (Regions 2,3,4) . . . . . . . . . . . . . . . . 90
Charity First . . . . . . . . . . . . . . . . . . . . 54
Chubb . . . . . . . . . . . . . . . . . . . . . . . . . 13
Contractors & Builders Conference(Regions 1,3,4,5) . . . . . . . . . . . . . . . 89
COST Financial Group, Inc. . . . . . . . . 75
CoverX . . . . . . . . . . . . . . . . . . . . . . . . 80
Creative Underwriters (Regions 3,4) . . . . . . . . . . . . . . . . . . 88
Evolution Agency Management, LLC . . . . . . . . . . . . . 109
FCCI Insurance Group (Regions 2,3,4) . . . . . . . . . . . . . . . . 83
Foremost Insurance Group . . . . . . . . 23
Fox Point Programs, Inc. . . . . . . . . . . 67
Agency Services and OpportunitiesNetVu 69 275 netvu.orgSmart Choice 97 781 smartchoiceagents.comSupportive Insurance Services 51 760 supportiveis.comTarget Markets 87 526 targetmarkets.com
Computers, Software and TechnologyAgency Revolution 11 569 agencyrevolution.com/rnApplied Systems IFC,1 078 myepicroadtrip2010.comAstonish Results 2,3,17 920 astonishresults.comBig “I” Advantage Virtual Risk Consultant 117 172 iiaba.net/VRCEvolution Agency Management, LLC 109 817 my-evo.com
Financial ConsultantsCOST Financial Group, Inc. 75 632 costfinancial.comInsurBanc 44 786 InsurBanc.com
Industry Associations and Continuing Education
AAMGA 79 674 aamga.orgAddis Intellectual Capital, LLC 73 854 theOGE.comAgribusiness Conference (Regions 1,5) 83Contractors & Builders Conference (Regions 1,3,4,5) 89 ContractorsConference.comIMCA (Regions 1,2,3,5) 81 imcanet.comLarry G. Linne 84 makethenoisegoaway.comThe National Alliance for Insurance Education & Research 107 097 TheNationalAlliance.com
/prestigeSitkins International 55 436 sitkins.com
SPECIALTY LINESConstruction/Contractors Insurance
M.J. Hall & Company, Inc. (Region 5) 85 669 mjhallandcompany.com
Diverse Products and CoveragesASPN/Agency Specialty Product Network 15 438 askaspn.comAmWINS Group, Inc. 9 462 amwins.comBrownyard Group 71 019 brownyard.comCNA 25 623 cna.comChubb 13 377 chubb.comCoverX 80 028 CoverXSpecialty.comFCCI Insurance Group (Regions 2,3,4) 83 395 fcci-group.comForemost Insurance Group 23 246 ForemostAgent.comGlatfelter Public Practice 39 720 GlatfelterPublicPractice.comGreat American Insurance Group 45 910 GreatAmerican
Insurance.comHarleysville 91 450 harleysvillegroup.com
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When a Handshake Isn’t Enough—Understanding Surety BondsRichard C. Lewis looks at both large and small suretybonds, providing guidance on how they operate, areunderwritten and priced. Written by a surety expert interms a commercial underwriter or agent canunderstand. One of the most complete surety guidesavailable! 142 pages#30206 Reg. $53.50 now $42.80ISBN# 978-1-56461-285-4 (plus s/h)
Trust and Dishonesty—ISO CrimeCoverages and SAA FinancialInstitution Bonds – 2006This book reviews both ISO Crime Coverage Forms andSAA Financial Institution Bonds and points outimportant coverages, exclusions and conditions in each.Emphasis is placed on Employee Theft coverages, assuch losses are often uninsured. Special features includean explanation of ERISA; counterfeit cashier’s checks;comparison of Loss Sustained and Discovery forms; andApplication for Financial Institution Bonds. 232 pages#30216 Reg. $56.00 now $44.80ISBN# 978-1-56461-301-1 (plus s/h)
Commercial Auto Program—Garage Policy 2006This review of ISO’s 2006 edition explains the benefitsof the Garage Policy and illustrates some of the gapsthat develop when a client is moved to or from a garagepolicy. Includes a side-by-side comparison of the CGLand BAP. 116 pages#30217 Reg. $47.50 now $38.00ISBN# 978-1-56461-302-8 (plus s/h)
Commercial Auto Program—Business Auto Policy 2006The business auto policy is the workhorse of thecommercial auto program. This book analyzes the 2006ISO edition. All available endorsements are listed andreviewed. Underwriting, rating, no-fault, and Canadanon-resident motor vehicle liability are discussed. Anaddendum provides a comparison of the business autopolicy to the four other policy forms in the commercialauto program, plus the PAP. 150 pages#30214 Reg. $49.50 now $39.60ISBN# 978-1-56461-295-3 (plus s/h)
Contractors Financial Statement: Accounting, Analysis and UnderwritingRichard C. Lewis introduces basic construction account -ing and analytical disciplines. Geared specifically for thebond underwriter or agent who specializes in largecontractors, it contains a case study financial statementthat is evaluated step-by-step throughout the book. Itprovides plenty of examples, definitions and worksheetsfor the novice bond underwriter. Required reading if youinsure contractors. 88 pages#26335 Reg. $54.50 now $43.60ISBN# 978-1-56461-152-9 (plus s/h)
Commercial Inland Marine Coverage FormsLooks at Commercial Inland Marine Coverage Forms and thedevelopment of Commercial Inland Marine; examines theNationwide Inland Marine definition; explains how to buildan Inland Marine policy and discusses which accounts needInland Marine coverage. The 12 ISO Inland Marine CoverageForms and the 19 AAIS Inland Marine Non-ControlledCoverage Forms are analyzed. 356 pages#30201 Reg. $74.00 now $59.20ISBN# 978-1-56461-277-9 (plus s/h)
Commercial General Liability Coverage Forms 2007Analyzes the 2007 version of the Commercial General LiabilityCoverage Form, including a complete analysis of theoccurrence form and a comparison to the claims-made form,along with a description of every available CGL countrywideendorsement. Discusses liquor; care, custody or control;employment-related practices; and underwriting and ratingconsiderations with a by-state listing on punitive damageawards. Examples and a question and answer addendumprovide for easy review or classroom use. 188 pages#30218 Reg. $52.00 now $41.60ISBN# 978-1-56461-304-2 (plus s/h)
Commercial Property Program—DirectDamage Coverage—Building andPersonal Property – 2007The 2007 edition of the ISO Commercial Property formsbecame effective in 11/08. The added and revised directdamage forms are analyzed and compared to the prior edition.The new margin clause endorsement and others are identifiedand discussed. Easy-to-follow examples are provided to explaincoinsurance, ordinance or law coverage and many otherconcepts. Underwriting and rating considerations and quizquestions and answers can be used for in-house training.218 pages#30219 Reg. $57.50 now $46.00ISBN# 978-1-56461-307-3 (plus s/h)
Commercial Property Program—TimeElement Coverages—Business Income, ExtraExpense and Leasehold Interests – 2007Analyzes the 2007 revised ISO Business Income (And ExtraExpense) Coverage Forms as well as the stand-alone ExtraExpense and Leasehold Interest Coverage Forms. Endorsementsand valuation alternatives are discussed, along with guidelinesfor helping a client select the correct limit of insurance. Thisbook will help you be comfortable guiding your client throughthis complex yet vitally necessary coverage. 134 pages#30220 Reg. $49.50 now $39.60ISBN# 978-1-56461-308-0 (plus s/h)
Coverages ApplicableThis 2010 revision explores the insurance needs for over650 different types of risks. A top reference book for 50+years—it gets to the point and stays focused! Identify thecoverages your client needs and the reasons for consideringthem. The table of contents is organized according to 27different commercial categories, plus personal andfarm/ranch risks. The index lists more than 650 differentspecific risks with SIC and NAICS codes. In addition, theagribusiness commercial category is introduced. 404 pages#30040 Reg. $75.50 now $60.40ISBN# 978-1-56461-309-7 (plus s/h)
Call: 800.428.4384 • Fax: 800.321.1909 • E-mail: [email protected]
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QTY TITLE PRODUCT NUMBER PRICE
Personal Lines Library—2005 Personal Auto PolicyExplores every aspect of the Personal Auto Policy inan easy-to-understand format with frequent examplesto help explain the difficult concepts. Added featuresinclude comparisons of the 2005 PAP to prioreditions and to the BAP; state requirements for non-renewal and uninsured/underinsured motorists, plusstate insurance plans and financial requirementlimits. 208 pages#30210 Reg. $56.00 now $44.80ISBN# 978-1-56461-289-2 (plus s/h)
Personal Lines Library—Homeowners 2000 Coverage FormsThis book analyzes the HO-3 forms and endorse -ments in detail, then provides a comparison to all ofthe other HO forms available. One chapter is devotedto in-home business concerns and solutions andincludes a reproducible questionnaire. 210 pages#30212 Reg. $56.00 now $44.80ISBN# 978-1-56461-291-5 (plus s/h)
Personal Lines Library—Umbrellaand Inland Marine Coverage FormsCovers Personal Lines’ most commonly neededextra coverages—umbrella and inland marine.More than a just a coverage analysis, this bookprovides examples of catastrophic losses to aid inselling the umbrella coverage and glossaries ofterms relating to collectibles to aid in selling theinland marine. 238 pages#30211 Reg. $56.00 now $44.80ISBN# 978-1-56461-290-8 (plus s/h)
Insurance Words & Their Meanings Newly revised in January 2010, the 25th editionincludes over 5,000 insurance-related terms anddefinitions in easy-to-understand language; specificglossaries for Automotive Terms, Coin CollectingTerms, Gem and Jewelry Terms, Basic Legal Terms,National Flood Program Terms, Basic Nautical Termsand Online Terms, including insurance-relatedonline terms. 344 pages#30401 Reg. $61.50 now $49.20ISBN# 978-1-56461-310-3 (plus s/h)
ISO Businessowners Coverage Forms—2006Updated to include explanations of the 2006 ISO BOP formsand endorsements revisions. There are also comparisons of the2006 BOP to the 2002 BOP and comparisons of the 2006 BOPto ISO CGL and CPP. Underwriting and rating guidance isprovided along with discussions on a number of BOP-relatedtopics. 198 pages#30213 Reg. $56.00 now $44.80ISBN# 978-1-56461-296-0 (plus s/h)
Workers Compensation and Employers Liability Coverage FormsThis book explores more than just the Workers Compensationand Employers Liability Policy. All available endorsements arereviewed with an in-depth look at some of the more commonlyused ones. Reviews federal issues along with important topicssuch as employed minors, independent contractors andmonopolistic states. Underwriting and rating topics such asexperience rating, classifications and certificates of insuranceare also explored. 224 pages#30215 Reg. $56.00 now $44.80ISBN# 978-1-56461-297-7 (plus s/h)
Property and Casualty Insurance—2009 Edition For over 50 years insurance professionals have turned toProperty and Casualty Insurance by Philip Gordis to answertheir insurance questions. The latest update delves intocommercial and personal lines coverage forms along with thehistory of insurance, risk management techniques, plus conceptssuch as tort reform, contract law, negligence, no-fault and more.There is even a chapter covering the basics of life, health anddisability insurance. The index and table of contents make it aneasy-to-use teaching and reference tool. 558 pages#30011 Reg. $88.50 now $70.80ISBN# 978-1-56461-305-9 (plus s/h)
Business Building LettersEver send a letter that was hard to write? Then consult BusinessBuilding Letters. Hundreds of sales, survey, cancellation,claims, anniversary and special event letters have beencomposed (many as a result of agents’ requests) for each lineof insurance. The volume also comes with more than a dozeneffective life insurance letters.
Available in CD version only.#/58013 Reg. $60.50 now $48.40ISBN# 978-1-56461-269-4 (plus s/h)
REVISEDJAN 2010
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MAY 2010 113
ADVERTISERS PRODUCTS
The Hartford 21 237 thehartford.com/200yearsNew Empire Group 31 738 newempiregroup.comPark Insurance Co. (Region 1) 85 846 parkinsuranceco.comPaul Davis Restoration 27 471 pdrestoration.comPhiladelphia Insurance Companies 105 064 phly.comTravelers 29 368 travelers.comVertafore OBC 015 Vertafore.comWestrope 101 075 westrope.com
Environmental InsuranceFreberg Environmental Insurance 41,43 183 feiinsurance.com
Errors & OmissionsFox Point Programs, Inc. 67 818 foxpointprg.comRockwood Programs, Inc. 99 103 rockwoodinsurance.com
Non-Profit OrganizationsNIF Nonprofit Advisor 32 130 nifnonprofitadvisor.comNegley Associates 59 062 jjnegley.com
Physicians InsurancePhysicians’ Reciprocal Insurers (New York Only) 73 888 pri.com
Social Services AgenciesCharity First 54 306 charityfirst.comNegley Associates 59 062 jjnegley.com
Sports & Leisure/EntertainmentSports & Fitness Insurance Corporation 68 639 sportsfitness.com
Tire Industry InsuranceBolton & Company (Regions 2,3) 93 324 boltonmga.com
Trucking and TransportationCBIP Management, Inc. 53 468 cbipmanagement.comCentral Insurex Agency (Regions 2,3,4) 90 137 central-insurex.comCreative Underwriters (Regions 3,4) 88 565 CreativeUnderwriters.comNBIS Construction & Transport 33 315 nbis.comNorthland Insurance 61 394 truckinsurance.com
UmbrellasMcGowan & Company, Inc. 49 257 mcgowanins.comPersonal Umbrella.com IBC 741 personalumbrella.com
Vacant Property CoverageBurns & Wilcox 37 020 burnsandwilcox.com
Workers CompensationApplied Underwriters 7 151 auw.comBrickStreet Insurance (Region 2) 89 486 brickstreet.comSummit (Regions 2,4) 85 884 summitholdings.comTexas Mutual Insurance Company (Region 4) 81 566 texasmutual.com
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Want more information about our advertisers?For additional information about the products or services that are advertisedthis month, please insert the corresponding numbers on the postpaid replycard and return it to us. Or, if someone has already used the card, call us tollfree at (800) 428-4384. We will tell the advertisers that you’re interested.Companies with numbers in parentheses (1,2,3,4,5) advertise in one ormore of Rough Notes’ five regional editions. For that reason, theiradvertisements might not appear in your copy of the magazine.
Freberg Environmental Insurance . . . . . . . . . . . . . . . . . . 41,43
Glatfelter Public Practice . . . . . . . . . . 39
Great American Insurance Group . . . . . . . . . . . . . . . 45
Harleysville . . . . . . . . . . . . . . . . . . . . . 91
The Hartford . . . . . . . . . . . . . . . . . . . . 21
IMCA (Regions 1,2,3,5) . . . . . . . . . . . . . . . 81
InsurBanc . . . . . . . . . . . . . . . . . . . . . . 44
Larry G. Linne. . . . . . . . . . . . . . . . . . . 84
M.J. Hall & Company, Inc. (Region 5) . . . . . . . . . . . . . . . . . . . . 85
McGowan & Company, Inc. . . . . . . . . 49
NBIS Construction & Transport . . . . . 33
The National Alliance for InsuranceEducation & Research. . . . . . . . . . 107
Negley Associates . . . . . . . . . . . . . . . 59
NetVu . . . . . . . . . . . . . . . . . . . . . . . . . 69
New Empire Group. . . . . . . . . . . . . . . 31
NIF Nonprofit Advisor . . . . . . . . . . . . . 32
Northland Insurance . . . . . . . . . . . . . . 61
Park Insurance Co. (Region 1) . . . . . . . . . . . . . . . . . . . . 85
Paul Davis Restoration . . . . . . . . . . . . 27
Personal Umbrella.com . . . . . . . . . . IBC
Philadelphia Insurance Companies. . . . . . . . . . . . . . . . . . . 105
Physicians’ Reciprocal Insurers (New York Only) . . . . . . . . . . . . . . . . 73
Rockwood Programs, Inc. . . . . . . . . . 99
Sitkins International . . . . . . . . . . . . . . 55
Smart Choice . . . . . . . . . . . . . . . . . . . 97
Sports & Fitness Insurance Corporation . . . . . . . . . . . 68
Summit (Regions 2,4). . . . . . . . . . . . . 85
Supportive Insurance Services . . . . . 51
Target Markets . . . . . . . . . . . . . . . . . . 87
Texas Mutual Insurance Company (Region 4) . . . . . . . . . . . . . . . . . . . . 81
Travelers . . . . . . . . . . . . . . . . . . . . . . . 29
Vertafore . . . . . . . . . . . . . . . . . . . . . OBC
Westrope . . . . . . . . . . . . . . . . . . . . . 101
ADVERTISERS INDEX
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