We are proud to announce that

BRUCE N. HOOPER

has joined the agency in opening its

BIRMINGHAM OFFICE

Southbridge Center

2100 Southbridge Parkway, Suite 650

Birmingham, Alabama 35209

205-414-7501

800-728-2623 (Fax)

bhooper@ctl-inc.com

Expert Commentary Articles from

Katrina's Lessons (November 2005)

Combating Rental Equipment Theft (February 2005)

Taking a Closer Look at Captive Costs (October 2004)

A Framework for Theft Prevention (August 2004)

Lessons from an Equipment Thief (June 2004)

Managing the Environmental Risk from Subcontractors (May 2004)

Standards Needed for Mold Exposure, Testing, and Remediation (April 2004)

Owner Safety Leadership (February 2004)

Lessons from Equipment Thefts in 2003 (February 2004)

Seven Tips on Mold Management Programs (November 2003)

Enhancing Your Financials (July 2003)

The “Fronting” Wars Continue (April 2003)

Technology in the Fight Against Equipment Theft—Part 4 of 4 (March 2003)

Considering Alternative Risk Transfer (February 2003)

Using Information To Fight Equipment Thieves—Part 3 of 4 (December 2002)

Heavy Equipment Theft and Solutions—Part 2 of 4 (August 2002)

Protecting the Balance Sheet (July 2002)

A Mold Prevention Program (July 2002)

Considering Self-Insuring WC in a Tight Market? (May 2002)

Contractual Liability and the CGL Policy (May 2002)

Heavy Equipment Theft and Solutions—Part 1 of 4 (May 2002)

Contract Documents of the Design-Build Institute of America (May 2002)

Captive Structures (April 2002)

Roles and Responsibilities: A Delicate Balance (April 2002)

Policy Modifications and Endorsements Relating to Liability Insurance Coverage for Mold (March 2002)

Navigating the U.S. Environmental Liability Market (Parts 1 & 2) (March 2002)

The Pitfalls of Accepting Contaminated Fill (March 2002)

Supreme Court Clarifies EEOC's Role in Arbitration Disputes (February 2002)

Some Final Thoughts on Completing Site Assessments (Part 4 of 4, February 2002)

Surety Credit Basics (January 2002)

The Emerging Role of The Chief Risk Officer (January 2002)

Conducting a Site Assessment (Part 3 of 4, January 2002)

Return to Work — A Forgotten Aspect of Workers Compensation (January 2002)

Full Circle Regression: The New ISO "Your Work" Endorsements (January 2002)

Failure To Train about Age Discrimination Results in Employer Liability (January 2002)

When Applying the Limitation for Wind-Driven Rain, What Constitutes a "Roof"? (December 2001)

Military Leave Rights: Obligations for Employers (December 2001)

Initial Assessment Site Assessments (Part 2 of 4, December 2001)

Is Computer Data "Tangible Property" or Subject to "Physical Loss or Damage?" — Part 2 (November 2001)

Problems with Arbitration in Design-Build (November 2001)

Bonding Tips and Tactics: Contractor Default Insurance (October 2001)

Who Provides the Defense in Construction Defect Suits? (October 2001)

Business Interruption for Denial of Access to Insured Property (October 2001)

Securing Your Online Communications (October 2001)

You Just Stood There? The Design Professional's Responsibility for Job Site Injuries (September 2001)