<br />
The Rise Homeowners P/C Asset Issues & Answers:<br />
Of the MGA Insurance Package Management Roundtable Insurance Technology<br />
Page 16 Pages 22-34 Page 47 Pages 35-41<br />
www.bestreview.com November 2015<br />
A.M. BEST’S MONTHLY INSURANCE MAGAZINE<br />
BIG DATA<br />
DISCOVERIES<br />
How insurers are using<br />
big data to uncover<br />
critical new insights.<br />
Pages 53-87<br />
TELEMATICS<br />
CLICKSTREAMS<br />
GEOSPATIAL<br />
SENSOR DATA<br />
BIO SENSOR<br />
VIDEO<br />
WEATHER<br />
STOCK MARKET<br />
SOCIAL MEDIA<br />
Pizza.<br />
Monday morning.<b<a title="Best's Review - November 2015 Edition page 1" href="http://viewer.zmags.com/publication/127f99ec?page=1"> The Rise Hom</a>
<a title="Best's Review - November 2015 Edition page 2" href="http://viewer.zmags.com/publication/127f99ec?page=2"> Pizza. Monday morning. Payment for your claims.</a>
<a title="Best's Review - November 2015 Edition page 3" href="http://viewer.zmags.com/publication/127f99ec?page=3"> From the Editor's Desk Finding Value in Big Data</a>
<a title="Best's Review - November 2015 Edition page 4" href="http://viewer.zmags.com/publication/127f99ec?page=4"> BIG DATA Contents DISCOVERIES Reaping Value F</a>
<a title="Best's Review - November 2015 Edition page 5" href="http://viewer.zmags.com/publication/127f99ec?page=5"> We built our company anticipating the NEW NORMAL </a>
<a title="Best's Review - November 2015 Edition page 6" href="http://viewer.zmags.com/publication/127f99ec?page=6"> HOMEOWNERS On Shaky Ground Under Water 30Catas</a>
<a title="Best's Review - November 2015 Edition page 7" href="http://viewer.zmags.com/publication/127f99ec?page=7"> </a>
<a title="Best's Review - November 2015 Edition page 8" href="http://viewer.zmags.com/publication/127f99ec?page=8"> Online @ www.bestreview.com Online Page Upcomin</a>
<a title="Best's Review - November 2015 Edition page 9" href="http://viewer.zmags.com/publication/127f99ec?page=9"> YOURclient Imagine yourself sm</a>
<a title="Best's Review - November 2015 Edition page 10" href="http://viewer.zmags.com/publication/127f99ec?page=10"> Video and Audio from A.M.BestRadio The A.M. Bes</a>
<a title="Best's Review - November 2015 Edition page 11" href="http://viewer.zmags.com/publication/127f99ec?page=11"> INSURANCE AGAINST REGRETTM TALK TO YOUR</a>
<a title="Best's Review - November 2015 Edition page 12" href="http://viewer.zmags.com/publication/127f99ec?page=12"> Retiring BB&T CEO: Insurance Move Was a `Crazy Id</a>
<a title="Best's Review - November 2015 Edition page 13" href="http://viewer.zmags.com/publication/127f99ec?page=13"> At Starr, insurance is not just something we do—i</a>
<a title="Best's Review - November 2015 Edition page 14" href="http://viewer.zmags.com/publication/127f99ec?page=14"> Insurance Marketing A Winning Goal NATIONW</a>
<a title="Best's Review - November 2015 Edition page 15" href="http://viewer.zmags.com/publication/127f99ec?page=15"> Experience the Difference “ </a>
<a title="Best's Review - November 2015 Edition page 16" href="http://viewer.zmags.com/publication/127f99ec?page=16"> OFFERS YOU GREAT DIGITAL EXPERIENCES USING THE LA</a>
<a title="Best's Review - November 2015 Edition page 17" href="http://viewer.zmags.com/publication/127f99ec?page=17"> What Readers Say About Big Data: Yes. It Is So. </a>
<a title="Best's Review - November 2015 Edition page 18" href="http://viewer.zmags.com/publication/127f99ec?page=18"> Specialty Insurance THE RISE OF THE MGA Risk c</a>
<a title="Best's Review - November 2015 Edition page 19" href="http://viewer.zmags.com/publication/127f99ec?page=19"> since MGA premium is combined with all the rest o</a>
<a title="Best's Review - November 2015 Edition page 20" href="http://viewer.zmags.com/publication/127f99ec?page=20"> Specialty Insurance of underwriting expertise, w</a>
<a title="Best's Review - November 2015 Edition page 21" href="http://viewer.zmags.com/publication/127f99ec?page=21"> OCEAN MARINE CONSTRUCTION ENERGY PROPERTY GENE</a>
<a title="Best's Review - November 2015 Edition page 22" href="http://viewer.zmags.com/publication/127f99ec?page=22"> Specialty Insurance introduces specialist underw</a>
<a title="Best's Review - November 2015 Edition page 23" href="http://viewer.zmags.com/publication/127f99ec?page=23"> “Underwriting integrity and the possible effect o</a>
<a title="Best's Review - November 2015 Edition page 24" href="http://viewer.zmags.com/publication/127f99ec?page=24"> Homeowners: Earthquake ONSHAKY GROUND Although U</a>
<a title="Best's Review - November 2015 Edition page 25" href="http://viewer.zmags.com/publication/127f99ec?page=25"> SPECIAL SECTION SPONSORED BY: HHoommeeoowwnneerr</a>
<a title="Best's Review - November 2015 Edition page 26" href="http://viewer.zmags.com/publication/127f99ec?page=26"> Homeowners: Earthquake But in high risk stat</a>
<a title="Best's Review - November 2015 Edition page 27" href="http://viewer.zmags.com/publication/127f99ec?page=27"> SPECIAL SECTION SPONSORED BY: Missouri in</a>
<a title="Best's Review - November 2015 Edition page 28" href="http://viewer.zmags.com/publication/127f99ec?page=28"> Homeowners: Earthquake The CEA has been tryi</a>
<a title="Best's Review - November 2015 Edition page 29" href="http://viewer.zmags.com/publication/127f99ec?page=29"> SPECIAL SECTION SPONSORED BY: Insight Smarter</a>
<a title="Best's Review - November 2015 Edition page 30" href="http://viewer.zmags.com/publication/127f99ec?page=30"> Why let a home systems breakdown cost a client th</a>
<a title="Best's Review - November 2015 Edition page 31" href="http://viewer.zmags.com/publication/127f99ec?page=31"> For $50, close the gap. $2,500 $1,20</a>
<a title="Best's Review - November 2015 Edition page 32" href="http://viewer.zmags.com/publication/127f99ec?page=32"> Homeowners: Flood A RARE EVENT: A once-in-1,000-</a>
<a title="Best's Review - November 2015 Edition page 33" href="http://viewer.zmags.com/publication/127f99ec?page=33"> really meant to focus on inland flood,”he said. </a>
<a title="Best's Review - November 2015 Edition page 34" href="http://viewer.zmags.com/publication/127f99ec?page=34"> Homeowners: Flood to help prompt more insurers t</a>
<a title="Best's Review - November 2015 Edition page 35" href="http://viewer.zmags.com/publication/127f99ec?page=35"> U.S. Homeowners Multiple Peril - 2014 Top Writers</a>
<a title="Best's Review - November 2015 Edition page 36" href="http://viewer.zmags.com/publication/127f99ec?page=36"> Homeowners: Top Writers U.S. Homeowners Multiple</a>
<a title="Best's Review - November 2015 Edition page 37" href="http://viewer.zmags.com/publication/127f99ec?page=37"> Special Advertising Section ISSUES & ANSWERS: I</a>
<a title="Best's Review - November 2015 Edition page 38" href="http://viewer.zmags.com/publication/127f99ec?page=38"> s0HOTOCREDIT'ETTY)MAGES Over the past 50 years, </a>
<a title="Best's Review - November 2015 Edition page 39" href="http://viewer.zmags.com/publication/127f99ec?page=39"> Special Advertising Section Issues & Answers C</a>
<a title="Best's Review - November 2015 Edition page 40" href="http://viewer.zmags.com/publication/127f99ec?page=40"> Technology/ Analytics Platforms Operations M</a>
<a title="Best's Review - November 2015 Edition page 41" href="http://viewer.zmags.com/publication/127f99ec?page=41"> Special Advertising Section Special Advertising </a>
<a title="Best's Review - November 2015 Edition page 42" href="http://viewer.zmags.com/publication/127f99ec?page=42"> Some suits have nothing to do with your </a>
<a title="Best's Review - November 2015 Edition page 43" href="http://viewer.zmags.com/publication/127f99ec?page=43"> Special Advertising Section Issues & Answers I</a>
<a title="Best's Review - November 2015 Edition page 44" href="http://viewer.zmags.com/publication/127f99ec?page=44"> Life Insurance Protecting Family Many consumers </a>
<a title="Best's Review - November 2015 Edition page 45" href="http://viewer.zmags.com/publication/127f99ec?page=45"> and financial services industry.At 63, Zultowski </a>
<a title="Best's Review - November 2015 Edition page 46" href="http://viewer.zmags.com/publication/127f99ec?page=46"> Life Insurance Own life insurance </a>
<a title="Best's Review - November 2015 Edition page 47" href="http://viewer.zmags.com/publication/127f99ec?page=47"> Insight Reasonable Expectations Regulatory/La</a>
<a title="Best's Review - November 2015 Edition page 48" href="http://viewer.zmags.com/publication/127f99ec?page=48"> Insight Life Mining (and Minding) the Data New</a>
<a title="Best's Review - November 2015 Edition page 49" href="http://viewer.zmags.com/publication/127f99ec?page=49"> Investment Expectations Asset Management With v</a>
<a title="Best's Review - November 2015 Edition page 50" href="http://viewer.zmags.com/publication/127f99ec?page=50"> Asset Management specialty and alternative asset</a>
<a title="Best's Review - November 2015 Edition page 51" href="http://viewer.zmags.com/publication/127f99ec?page=51"> We've seen a lot of companies use the </a>
<a title="Best's Review - November 2015 Edition page 52" href="http://viewer.zmags.com/publication/127f99ec?page=52"> Asset Management dampen the volatility of public</a>
<a title="Best's Review - November 2015 Edition page 53" href="http://viewer.zmags.com/publication/127f99ec?page=53"> to fully realize the benefits of your growth-orie</a>
<a title="Best's Review - November 2015 Edition page 54" href="http://viewer.zmags.com/publication/127f99ec?page=54"> Asset Management U.S. Property/Casualty – 2014 A</a>
<a title="Best's Review - November 2015 Edition page 55" href="http://viewer.zmags.com/publication/127f99ec?page=55"> TELEMATICS CLICKSTREAMS GEOSPATIAL SENSOR DATA BI</a>
<a title="Best's Review - November 2015 Edition page 56" href="http://viewer.zmags.com/publication/127f99ec?page=56"> Big Data: Discoveries placed the industry on the</a>
<a title="Best's Review - November 2015 Edition page 57" href="http://viewer.zmags.com/publication/127f99ec?page=57"> said.“I think it's going to live up to the hype, </a>
<a title="Best's Review - November 2015 Edition page 58" href="http://viewer.zmags.com/publication/127f99ec?page=58"> Big Data: Discoveries say, will be those who fig</a>
<a title="Best's Review - November 2015 Edition page 59" href="http://viewer.zmags.com/publication/127f99ec?page=59"> Best's State Rate Filings ® Be confident you have </a>
<a title="Best's Review - November 2015 Edition page 60" href="http://viewer.zmags.com/publication/127f99ec?page=60"> Big Data: Challenges BIG DATA BIG CONCERNS As in</a>
<a title="Best's Review - November 2015 Edition page 61" href="http://viewer.zmags.com/publication/127f99ec?page=61"> Silos I nsurance companies are no strange</a>
<a title="Best's Review - November 2015 Edition page 62" href="http://viewer.zmags.com/publication/127f99ec?page=62"> Big Data: Challenges their expectations of what </a>
<a title="Best's Review - November 2015 Edition page 63" href="http://viewer.zmags.com/publication/127f99ec?page=63"> Rao said privacy can be especially tricky w</a>
<a title="Best's Review - November 2015 Edition page 64" href="http://viewer.zmags.com/publication/127f99ec?page=64"> Big Data: The Next Wave BRACING FOR THE NEXT BI</a>
<a title="Best's Review - November 2015 Edition page 65" href="http://viewer.zmags.com/publication/127f99ec?page=65"> Legacy Meets Innovation </a>
<a title="Best's Review - November 2015 Edition page 66" href="http://viewer.zmags.com/publication/127f99ec?page=66"> Big Data: The Next Wave By 2018, the United Stat</a>
<a title="Best's Review - November 2015 Edition page 67" href="http://viewer.zmags.com/publication/127f99ec?page=67"> Refine your analysis. Uncover the core elements </a>
<a title="Best's Review - November 2015 Edition page 68" href="http://viewer.zmags.com/publication/127f99ec?page=68"> Big Data: Analytics Revolution Source: Fraud Inv</a>
<a title="Best's Review - November 2015 Edition page 69" href="http://viewer.zmags.com/publication/127f99ec?page=69"> B ig data and </a>
<a title="Best's Review - November 2015 Edition page 70" href="http://viewer.zmags.com/publication/127f99ec?page=70"> Big Data: Analytics Revolution is a visual repre</a>
<a title="Best's Review - November 2015 Edition page 71" href="http://viewer.zmags.com/publication/127f99ec?page=71"> Insight Riding the Technology Big Data Tsuna</a>
<a title="Best's Review - November 2015 Edition page 72" href="http://viewer.zmags.com/publication/127f99ec?page=72"> Big Data: Case Studies FINDING CONNE 70 </a>
<a title="Best's Review - November 2015 Edition page 73" href="http://viewer.zmags.com/publication/127f99ec?page=73"> CTIONS Insurers are seeing new patterns emerge as</a>
<a title="Best's Review - November 2015 Edition page 74" href="http://viewer.zmags.com/publication/127f99ec?page=74"> Big Data: Case Studies TREATMENT PLAN Big data a</a>
<a title="Best's Review - November 2015 Edition page 75" href="http://viewer.zmags.com/publication/127f99ec?page=75"> way to be more proactive with members needing an </a>
<a title="Best's Review - November 2015 Edition page 76" href="http://viewer.zmags.com/publication/127f99ec?page=76"> Big Data: Case Studies W </a>
<a title="Best's Review - November 2015 Edition page 77" href="http://viewer.zmags.com/publication/127f99ec?page=77"> SEGMENTED SOLUTIONS by Angelo John Lewis I </a>
<a title="Best's Review - November 2015 Edition page 78" href="http://viewer.zmags.com/publication/127f99ec?page=78"> Big Data: Case Studies going to create expense e</a>
<a title="Best's Review - November 2015 Edition page 79" href="http://viewer.zmags.com/publication/127f99ec?page=79"> Gaining Maturity Big Data: Gaining Maturity Whe</a>
<a title="Best's Review - November 2015 Edition page 80" href="http://viewer.zmags.com/publication/127f99ec?page=80"> Web Big Data: Gaining Maturity Email Non-Pers</a>
<a title="Best's Review - November 2015 Edition page 81" href="http://viewer.zmags.com/publication/127f99ec?page=81"> communication channels and the nearly infinite va</a>
<a title="Best's Review - November 2015 Edition page 82" href="http://viewer.zmags.com/publication/127f99ec?page=82"> Big Data: Gaining Maturity Five Key Dimensions </a>
<a title="Best's Review - November 2015 Edition page 83" href="http://viewer.zmags.com/publication/127f99ec?page=83"> Your Go-To Resource in the Insurance Industry. </a>
<a title="Best's Review - November 2015 Edition page 84" href="http://viewer.zmags.com/publication/127f99ec?page=84"> Big Data: Strategy Alternate Routes Insurers hav</a>
<a title="Best's Review - November 2015 Edition page 85" href="http://viewer.zmags.com/publication/127f99ec?page=85"> By the Numbers: Insurers Navigate the Digital Tra</a>
<a title="Best's Review - November 2015 Edition page 86" href="http://viewer.zmags.com/publication/127f99ec?page=86"> Big Data: Strategy The Digital Distributor T</a>
<a title="Best's Review - November 2015 Edition page 87" href="http://viewer.zmags.com/publication/127f99ec?page=87"> “first time right” call resolution rather than on</a>
<a title="Best's Review - November 2015 Edition page 88" href="http://viewer.zmags.com/publication/127f99ec?page=88"> Big Data: Perspectives What A.M. Best Has Report</a>
<a title="Best's Review - November 2015 Edition page 89" href="http://viewer.zmags.com/publication/127f99ec?page=89"> A Global Conversation About Data BR</a>
<a title="Best's Review - November 2015 Edition page 90" href="http://viewer.zmags.com/publication/127f99ec?page=90"> Best's Credit Rating Actions Best's Credit Ratin</a>
<a title="Best's Review - November 2015 Edition page 91" href="http://viewer.zmags.com/publication/127f99ec?page=91"> Rating Action Business Type Company Name/ Ultim</a>
<a title="Best's Review - November 2015 Edition page 92" href="http://viewer.zmags.com/publication/127f99ec?page=92"> Best's Credit Rating Actions Rating Action Busi</a>
<a title="Best's Review - November 2015 Edition page 93" href="http://viewer.zmags.com/publication/127f99ec?page=93"> BEST'S FINANCIAL STRENGTH RATING GUIDE A Best's F</a>
<a title="Best's Review - November 2015 Edition page 94" href="http://viewer.zmags.com/publication/127f99ec?page=94"> BEST'S ISSUER CREDIT RATING GUIDE A Best's Issuer</a>
<a title="Best's Review - November 2015 Edition page 95" href="http://viewer.zmags.com/publication/127f99ec?page=95"> Proposed NAIC Budget Seeks a Revenue Hike of 3.48</a>
<a title="Best's Review - November 2015 Edition page 96" href="http://viewer.zmags.com/publication/127f99ec?page=96"> Best's Calendar: Upcoming Conferences Industry U</a>
<a title="Best's Review - November 2015 Edition page 97" href="http://viewer.zmags.com/publication/127f99ec?page=97"> Don't Miss the Next Opportunity in Our 20</a>
<a title="Best's Review - November 2015 Edition page 98" href="http://viewer.zmags.com/publication/127f99ec?page=98"> The Last Word a Need A virtual approach is help</a>
<a title="Best's Review - November 2015 Edition page 99" href="http://viewer.zmags.com/publication/127f99ec?page=99"> Our handshake means more than an engagement. It m</a>
<a title="Best's Review - November 2015 Edition page 100" href="http://viewer.zmags.com/publication/127f99ec?page=100"> Expect big things in workers' compensation. Expec</a>