For Citizens agents, particularly for personal lines, a bill headed to Gov. Scott's desk promises to create significant changes to your operation.

Superstorm Sandy certainly earned its name: The combination hurricane/noreaster spawned high winds and high water, flooding lower Manhattan, erasing landmarks from the Jersey Shore and dumping three feet of snow in West Virginia.

Because Superstorm Sandy is an example of how hurricanes (or any natural disaster, for that matter) don't pick favorites, a National Catastrophe Fund is needed to spread risk.

Because Superstorm Sandy is an example of how hurricanes (or any natural disaster, for that matter) don't pick favorites, a National Catastrophe Fund is needed to spread risk.

The Florida Association of Insurance Agents has commissioned a study of domestic carriers writing Floridas homeowner policies that will help agents determine their best matches for competitiveness, contract, commissions, and compatibility.