THEY'RE BIG, horrible AND ONLY ARR...

THEY'RE BIG, horrible AND ONLY ARRIVE AT THE LAST minute. encounter the insurance quotes of 2003 whose appearance is almost guaranteed to make you scream. Just listen to the horror stories.

At Ryan Building clump a Schaumburg, Ill.-based company building 650 place of abodes annually, its insurance renewal came right down to the wire. "We secur it the last hour of the last day," says CFO Kevin Davis, who'd begun his research month in advance of the March deadline, alone to find himself scrambling for coverage as the adduces came in. "It makes decision-making impossible."

But don't unruffled ...