“Losses just don’t stop at
$1 million like they used
to. Volatility is a challenge.
Verticality of loss is a reality.”
See page 21
� Flat Stat
6 OCTOBER RATES PROVIDE
More Evidence of Market Shift; Demand to Rise in
8 THREE MAJOR U.S. INSURERS
Report Third-Quarter Struggles
8 ADVISORY COMMITTEE TO FIO
Includes Regulators; Excludes Legislators
� Bridging the Gap . 21
10 RISK MANAGERS DISCUSS
Hiring Practices & How They Educate Themselves, Staff
14 AGENTS LOOK TO THE CLOUD
for Flexibility, Cost Savings
16 NEW VENDOR CAPABILITIES
18 CLOUD COMPUTING POPULARITY GROWING,
But What's the Risk for Agencies?
Cloudy p. 14
5 DO AGENTS NEED
Two Trade Associations?
By Laura Mazzuca Toops
25 YOUR TURN:
Reader Comments on the Web
26 ADVANCED ANALYTICS CAN Improve Underwriting for
Large, Complex Commercial Risks
By Michael A. Costonis and Michael F. Reilly
21 THE COMEBACK KID:
22 REINSURANCE'S ROLE IN
Growing Need for Buffer Deals
� Web Comments
22 CAREER CENTER
23 ADVERTISER INDEX
PropertyCasualty360.com November 14, 2011 | National Underwriter Property & Casualty | 3
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