<br /> New Growth Opportunities FinTech Sparks Interest California Expands Liability Issues & Answers:<br /> Beckon Reinsurers Of Insurers, Regulators For Wage and Hour Violations Captive Domiciles & Services<br /> Pages 38-51 Page 52 Page 60 Pages 23-27<br /> www.bestreview.com August 2016<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> CARBON<br /> CRUSADE<br /> California Insurance<br /> Commissioner Dave Jones<br /> defends request for insurers<br /> to divest from coal. Page 28<br /> Haven't we<br /> met before?<br /> Yes!<a title="Best's Review - August 2016 Edition page 1" href="http://viewer.zmags.com/publication/126c8028?page=1"> New Growth Opportunities Fin</a> <a title="Best's Review - August 2016 Edition page 2" href="http://viewer.zmags.com/publication/126c8028?page=2"> Haven't we met before? Yes! Allow us to re-int</a> <a title="Best's Review - August 2016 Edition page 3" href="http://viewer.zmags.com/publication/126c8028?page=3"> From the Editor's Desk A Watchdog and a Client </a> <a title="Best's Review - August 2016 Edition page 4" href="http://viewer.zmags.com/publication/126c8028?page=4"> ON THE COVER Contents AP Photo/Rich Pedroncelli</a> <a title="Best's Review - August 2016 Edition page 5" href="http://viewer.zmags.com/publication/126c8028?page=5"> Your specialist knowledge Our technical expertise</a> <a title="Best's Review - August 2016 Edition page 6" href="http://viewer.zmags.com/publication/126c8028?page=6"> RISK MANAGEMENT LIFE INSU</a> <a title="Best's Review - August 2016 Edition page 7" href="http://viewer.zmags.com/publication/126c8028?page=7"> Always flexible Certain risks are so unique that</a> <a title="Best's Review - August 2016 Edition page 8" href="http://viewer.zmags.com/publication/126c8028?page=8"> Interactive Content The Legal and Insurance Rami</a> <a title="Best's Review - August 2016 Edition page 9" href="http://viewer.zmags.com/publication/126c8028?page=9"> ® Big I's Rusbuldt: Agencies to Continue</a> <a title="Best's Review - August 2016 Edition page 10" href="http://viewer.zmags.com/publication/126c8028?page=10"> No More Acting: Vullo Named NY Insurance Superint</a> <a title="Best's Review - August 2016 Edition page 11" href="http://viewer.zmags.com/publication/126c8028?page=11"> Junior John Ngulube will be appointed CEO of</a> <a title="Best's Review - August 2016 Edition page 12" href="http://viewer.zmags.com/publication/126c8028?page=12"> Insurance Marketing THE GENERAL AUTOMOBILE </a> <a title="Best's Review - August 2016 Edition page 13" href="http://viewer.zmags.com/publication/126c8028?page=13"> TRUSTwith what MATTERS MOST </a> <a title="Best's Review - August 2016 Edition page 14" href="http://viewer.zmags.com/publication/126c8028?page=14"> Best's Calendar: Trade Shows/Conferences Feedbac</a> <a title="Best's Review - August 2016 Edition page 15" href="http://viewer.zmags.com/publication/126c8028?page=15"> A Global Conversation About Perspectives Member</a> <a title="Best's Review - August 2016 Edition page 16" href="http://viewer.zmags.com/publication/126c8028?page=16"> Perspectives “ R einsurance is a critical </a> <a title="Best's Review - August 2016 Edition page 17" href="http://viewer.zmags.com/publication/126c8028?page=17"> Strength In Numbers, Nationally. Over $6</a> <a title="Best's Review - August 2016 Edition page 18" href="http://viewer.zmags.com/publication/126c8028?page=18"> Spotlight on Alternative Risk Captive Formations</a> <a title="Best's Review - August 2016 Edition page 19" href="http://viewer.zmags.com/publication/126c8028?page=19"> Spotlight on Specialty Lines XL Catlin: Transact</a> <a title="Best's Review - August 2016 Edition page 20" href="http://viewer.zmags.com/publication/126c8028?page=20"> Spotlight on Specialty Lines Specialty Reinsurer</a> <a title="Best's Review - August 2016 Edition page 21" href="http://viewer.zmags.com/publication/126c8028?page=21"> Insight Piloting the Firm At Large How can m</a> <a title="Best's Review - August 2016 Edition page 22" href="http://viewer.zmags.com/publication/126c8028?page=22"> Insight Regulatory/Law Vendor Risk Third partie</a> <a title="Best's Review - August 2016 Edition page 23" href="http://viewer.zmags.com/publication/126c8028?page=23"> Insight Beyond the Monoline Risk Adviser Shif</a> <a title="Best's Review - August 2016 Edition page 24" href="http://viewer.zmags.com/publication/126c8028?page=24"> Insight Technology Weather Alert Today's foreca</a> <a title="Best's Review - August 2016 Edition page 25" href="http://viewer.zmags.com/publication/126c8028?page=25"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - August 2016 Edition page 26" href="http://viewer.zmags.com/publication/126c8028?page=26"> Why is Delaware's captive insurance program so su</a> <a title="Best's Review - August 2016 Edition page 27" href="http://viewer.zmags.com/publication/126c8028?page=27"> Special Advertising Section Issues & Answers De</a> <a title="Best's Review - August 2016 Edition page 28" href="http://viewer.zmags.com/publication/126c8028?page=28"> Our handshake means more than an engagement. It m</a> <a title="Best's Review - August 2016 Edition page 29" href="http://viewer.zmags.com/publication/126c8028?page=29"> Special Advertising Section Issues & Answers C</a> <a title="Best's Review - August 2016 Edition page 30" href="http://viewer.zmags.com/publication/126c8028?page=30"> Asset Management Carbon Crusade California's</a> <a title="Best's Review - August 2016 Edition page 31" href="http://viewer.zmags.com/publication/126c8028?page=31"> Key Points Risky Business: California's insuranc</a> <a title="Best's Review - August 2016 Edition page 32" href="http://viewer.zmags.com/publication/126c8028?page=32"> Asset Management Insurers should be the ones</a> <a title="Best's Review - August 2016 Edition page 33" href="http://viewer.zmags.com/publication/126c8028?page=33"> for a future election,” said Detlefsen, from the </a> <a title="Best's Review - August 2016 Edition page 34" href="http://viewer.zmags.com/publication/126c8028?page=34"> Insight Asset Management Changes in China The r</a> <a title="Best's Review - August 2016 Edition page 35" href="http://viewer.zmags.com/publication/126c8028?page=35"> Your Go-To Resource in the Insurance Industry. </a> <a title="Best's Review - August 2016 Edition page 36" href="http://viewer.zmags.com/publication/126c8028?page=36"> Public-Private Partnerships Clearing a Path to </a> <a title="Best's Review - August 2016 Edition page 37" href="http://viewer.zmags.com/publication/126c8028?page=37"> MENT Public-Private Partnerships Key Points Th</a> <a title="Best's Review - August 2016 Edition page 38" href="http://viewer.zmags.com/publication/126c8028?page=38"> Public-Private Partnerships growth. The</a> <a title="Best's Review - August 2016 Edition page 39" href="http://viewer.zmags.com/publication/126c8028?page=39"> supporting those, not conflicting or competing wi</a> <a title="Best's Review - August 2016 Edition page 40" href="http://viewer.zmags.com/publication/126c8028?page=40"> Reinsurance: Growth THE THEORY OF Evolution A so</a> <a title="Best's Review - August 2016 Edition page 41" href="http://viewer.zmags.com/publication/126c8028?page=41"> “We're continuing to focus on serving our </a> <a title="Best's Review - August 2016 Edition page 42" href="http://viewer.zmags.com/publication/126c8028?page=42"> Reinsurance: Growth credit default risk from gov</a> <a title="Best's Review - August 2016 Edition page 43" href="http://viewer.zmags.com/publication/126c8028?page=43"> The M&A trend is a consideration for small a</a> <a title="Best's Review - August 2016 Edition page 44" href="http://viewer.zmags.com/publication/126c8028?page=44"> Reinsurance: Captives Captiv AUDIENCE As captive</a> <a title="Best's Review - August 2016 Edition page 45" href="http://viewer.zmags.com/publication/126c8028?page=45"> </a> <a title="Best's Review - August 2016 Edition page 46" href="http://viewer.zmags.com/publication/126c8028?page=46"> Reinsurance: Captives inquiries and reinsurance </a> <a title="Best's Review - August 2016 Edition page 47" href="http://viewer.zmags.com/publication/126c8028?page=47"> HIGH POINT: !VIEWFROM6ICTORIA 0EAKABOVE(ONG+ONG </a> <a title="Best's Review - August 2016 Edition page 48" href="http://viewer.zmags.com/publication/126c8028?page=48"> Reinsurance: CEO Interview W </a> <a title="Best's Review - August 2016 Edition page 49" href="http://viewer.zmags.com/publication/126c8028?page=49"> Asians, even more than Europeans, like long-term </a> <a title="Best's Review - August 2016 Edition page 50" href="http://viewer.zmags.com/publication/126c8028?page=50"> Reinsurance: Legal The BELLEFONTE CAP Returns T</a> <a title="Best's Review - August 2016 Edition page 51" href="http://viewer.zmags.com/publication/126c8028?page=51"> Reinsurance: Legal the cession involves expenses</a> <a title="Best's Review - August 2016 Edition page 52" href="http://viewer.zmags.com/publication/126c8028?page=52"> Reinsurance: Legal amounts ranging from $250,000</a> <a title="Best's Review - August 2016 Edition page 53" href="http://viewer.zmags.com/publication/126c8028?page=53"> What A.M. 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August 2016 Edition page 60" href="http://viewer.zmags.com/publication/126c8028?page=60"> Conference Coverage Fast Facts 79 </a> <a title="Best's Review - August 2016 Edition page 61" href="http://viewer.zmags.com/publication/126c8028?page=61"> Experiment with insurers' BCAR scores under chang</a> <a title="Best's Review - August 2016 Edition page 62" href="http://viewer.zmags.com/publication/126c8028?page=62"> Legal: Directors & Officers Making It California</a> <a title="Best's Review - August 2016 Edition page 63" href="http://viewer.zmags.com/publication/126c8028?page=63"> Key Points What's Changed: Company managers may </a> <a title="Best's Review - August 2016 Edition page 64" href="http://viewer.zmags.com/publication/126c8028?page=64"> Legal: Directors & Officers This new section</a> <a title="Best's Review - August 2016 Edition page 65" href="http://viewer.zmags.com/publication/126c8028?page=65"> Fast Access to Loss Reserve Data, Plus Analytical</a> <a title="Best's Review - August 2016 Edition page 66" href="http://viewer.zmags.com/publication/126c8028?page=66"> Risk Management Troubled Waters Water scarcity i</a> <a title="Best's Review - 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