The equation is pretty simple, when you think about it: There are those who have nothing, and those who can help themand when charity works, the story should be heard.

Our biennial Producer Survey, done in partnership with Flasphler Research Group, is a revealing picture of independent agents opinions of U.S. commercial carriers. The survey of 526 independent producers included probing questions about insurer utilization, performance, perceptions of insurers and related topics.

While there are always a number of wild cards in play, it could be said that performance in the Property & Casualty insurance market in 2015 will depend greatly on two things: the impact of new capacity on rate pricing, and whether or not Mother Nature's relative streak of kindness...

If you know what bumbershoot is, youre ahead of the curve. If not, a little background in the difference between Inland Marine and Ocean Marine coverage might be in order, before examining the state of both markets and whether producers might seek to do more business in them.

Here's where we elevate the conversation about the insurance business charitable work and those it touches.

Lines to watch, issues to consider and questions to be asking in the year to come.

A look back at some of this year's most high-profile cases of data theft.