QUOTE OF
THE WEEK:
“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
p. 6
NEWS
6 OCTOBER RATES PROVIDE
More Evidence of Market Shift; Demand to Rise in
Nontraditional Risks
8 THREE MAJOR U.S. INSURERS
Report Third-Quarter Struggles
8 ADVISORY COMMITTEE TO FIO
Includes Regulators; Excludes Legislators
� Bridging the Gap . 21
RISK MANAGEMENT
10 RISK MANAGERS DISCUSS
Hiring Practices & How They Educate Themselves, Staff
TECHNOLOGY TRENDS:
CLOUD COMPUTING
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?
� Agency
Forecast:
Cloudy p. 14
OPINION
EDITOR'S CORNER
5 DO AGENTS NEED
Two Trade Associations?
By Laura Mazzuca Toops
25 YOUR TURN:
Reader Comments on the Web
FINAL SAY
26 ADVANCED ANALYTICS CAN Improve Underwriting for
Large, Complex Commercial Risks
By Michael A. Costonis and Michael F. Reilly
E&S/SPECIALT Y
MARKET UPDATE
21 THE COMEBACK KID:
Buffer Liability
22 REINSURANCE'S ROLE IN
Growing Need for Buffer Deals
� Web Comments
p. 25
LISTINGS
22 CAREER CENTER
23 ADVERTISER INDEX
23 MARKETPLACE
PropertyCasualty360.com November 14, 2011 | National Underwriter Property & Casualty | 3
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