AA&B spoke with three wholesalers/program administrators specializing in boat, yacht and marina insurance about what they're seeing in the current market and how retail agents and brokers can "shore up" this specialty business until the seas are calm.

More aging baby boomers are turning to home healthcare as an alternative to hospital stays or nursing homes. The trend presents agents and brokers with the opportunity to educate their home care agency clients on the risks that they face.

Smartphone users, particularly the zealous followers of Apple's iPhone, are passionate about their devices. After all, how many consumer products can transform into something totally new for a few extra dollars, or better yet, for free?

Sometimes writers and consultants are too long winded. They take a roundabout way to avoid bitter reality. But for those who prefer brevity, I'll get to the point: This market sucks. It is the worst insurance market since 1933.