Dealing with the oncoming wave of agency retirements is like getting run over by a steamroller: You know it will happen if you don't move, but its occuring so slowly you think there is time to escape.

The Federal Emergency Management Agency is making available a new flood insurance low-cost transitional program for properties that have been newly mapped into high-risk areas due to a flood map revision on or after October 1, 2008.

Austin Mutual's Businessowner Program, effective Jan. 1, will offer new and expanded classifications and coverage.

The economic downturn has New Yorkers looking for a quick solution to financial problems in the form of owner give-ups.