A quarterly newsletter addressing various issues of interest to those in the public entity, education and pooling sector as well as risk management professionals in other industry groups.


If you have any questions about the articles in this issue or have any other insurance-related questions, please contact us.


Greetings to all.

We have faced many challenges in 2021 and the first quarter of 2022 has shown little relief.  While property rate increases are seeming to moderate, rate increases for excess liability and cyber remain unabated. COVID 19 concerns remain but are less impactful than in the recent past. Only time will tell what the future holds. The world is now horrified about the death, pain and destruction associated with the war in Ukraine and the future economic impact is not yet determined. Indeed, we will continue to have to work together to navigate troubled waters.

The coming of spring brings with it the promise of change, growth and re-birth. 


Dan and I wish you peace, prosperity and good health.


Mark A. Goode


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Mark A. Goode, CIC, CPCU
Senior Executive Vice President & Managing Director 
Daniel J. Howell
Senior Executive Vice President & Managing Director