Subscription Information: Members of the Association of Home Office Underwriters (AHOU) and the Canadian Institute of Underwriters (CIU) receive OTR as a benefit of membership. Direct subscriptions are also available. One-year subscription rate: Electronic only version (global rate) - $35.00; Print version - North America only (USA, Canada and Mexico): $40.00; Outside North America: Electronic only version available. Back issues - North America: $15.00 if stock available; Outside North America: Use OTR Online archives. Subscribe by credit card at the website - Otherwise, please make all checks payable to ON THE RISK. Please send change of address forms and all subscription correspondence to: OTR Publishing Services, 218 Harmony Drive, Delaware, OH 43015; Email address:; Website:

IMPORTANT: Under current copyright laws protecting OTR’s digital rights, a subscription is a personal subscription for one person only and cannot be shared with others at your company. It is illegal to share the username and password or to post the downloaded e-version PDF on a company’s intranet or to email a copy to others as a means of avoiding the purchase of additional subscriptions.