THE HARD MARKET Invisible Now But It’s Coming FORECLOSURES INCREASING Vacant Properties Are Vulnerable SANFORD & TATUM INSURANCE AGENCY Texas’ leading provider of workers’ compensation insurance H E R E F O R T E X A S . H E R E T O S T A Y. ® Dividends are based on performance and are not guaranteed. Services for non-English speakers are available upon request. Workers’ comp health care network available for eligible policyholders. 2008 Texas Mutual Insurance Company ©