<br /> Navigators CEO Galanski: AM Best's Gillard Insurer Seeks to Protect ISSUES & ANSWERS:<br /> Learn From Adversity Discusses Innovation Criteria UK Sheep From Lynx Pathways to Innovation<br /> Page 58 Page 66 Page 80 Pages 23-27<br /> -AYs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> AM BEST'S MONTHLY INSURANCE MAGAZINE<br /> Coming<br /> Into<br /> FOCUS<br /> Traditional and nontraditional data—from credit ratings<br /> and motor vehicle records, Yelp reviews, social media<br /> and wearable devices—give insurers a clearer picture<br /> of risk than ever before. But insurers must navigate<br /> regulatory and privacy concerns. Pages 28-57<br /> $12<a title="Best's Review - May 2019 Edition page 1" href="http://viewer.zmags.com/publication/1334d168?page=1"> Navigators CEO Galanski: AM Best's Gilla</a> <a title="Best's Review - May 2019 Edition page 2" href="http://viewer.zmags.com/publication/1334d168?page=2"> $125,000,000 Senior Secured Credit Facilit</a> <a title="Best's Review - May 2019 Edition page 3" href="http://viewer.zmags.com/publication/1334d168?page=3"> A Sharper Image From the Editor's Desk: Insurers</a> <a title="Best's Review - May 2019 Edition page 4" href="http://viewer.zmags.com/publication/1334d168?page=4"> D A T A 28-57 Best's Review looks at how insure</a> <a title="Best's Review - May 2019 Edition page 5" href="http://viewer.zmags.com/publication/1334d168?page=5"> 41 Words That Bind 44 A Revolution in Underwritin</a> <a title="Best's Review - May 2019 Edition page 6" href="http://viewer.zmags.com/publication/1334d168?page=6"> What Readers Say Data Challenge Best's Review r</a> <a title="Best's Review - May 2019 Edition page 7" href="http://viewer.zmags.com/publication/1334d168?page=7"> Effects of Social Media, IoT BestWebinars An AM</a> <a title="Best's Review - May 2019 Edition page 8" href="http://viewer.zmags.com/publication/1334d168?page=8"> ® AM Best TV & Radio Captives' Association Meet</a> <a title="Best's Review - May 2019 Edition page 9" href="http://viewer.zmags.com/publication/1334d168?page=9"> Don't Lose Sight of Overall Exposure Cyber Aggreg</a> <a title="Best's Review - May 2019 Edition page 10" href="http://viewer.zmags.com/publication/1334d168?page=10"> Best's Calendar May 1 – 2: NCIGF Annual Conferen</a> <a title="Best's Review - May 2019 Edition page 11" href="http://viewer.zmags.com/publication/1334d168?page=11"> UK Property/Casualty Underwriter Direct Line Name</a> <a title="Best's Review - May 2019 Edition page 12" href="http://viewer.zmags.com/publication/1334d168?page=12"> Executive Changes Durant spent 20 years work</a> <a title="Best's Review - May 2019 Edition page 13" href="http://viewer.zmags.com/publication/1334d168?page=13"> Rock Assurance Co., Travelers Cos. and Hartford a</a> <a title="Best's Review - May 2019 Edition page 14" href="http://viewer.zmags.com/publication/1334d168?page=14"> Executive Changes Service American Indemnity Nam</a> <a title="Best's Review - May 2019 Edition page 15" href="http://viewer.zmags.com/publication/1334d168?page=15"> What You Need Liberty Mutual debuts two new adver</a> <a title="Best's Review - May 2019 Edition page 16" href="http://viewer.zmags.com/publication/1334d168?page=16"> A Global Conversation “ I nnovation is </a> <a title="Best's Review - May 2019 Edition page 17" href="http://viewer.zmags.com/publication/1334d168?page=17"> “ I nnovation. It's been critical in m</a> <a title="Best's Review - May 2019 Edition page 18" href="http://viewer.zmags.com/publication/1334d168?page=18"> A Knack for Networking Next Wave Making connect</a> <a title="Best's Review - May 2019 Edition page 19" href="http://viewer.zmags.com/publication/1334d168?page=19"> ©2019 Conning, Inc. All Rights Reserved. </a> <a title="Best's Review - May 2019 Edition page 20" href="http://viewer.zmags.com/publication/1334d168?page=20"> Regulatory Update Financial adviser bill nixed in</a> <a title="Best's Review - May 2019 Edition page 21" href="http://viewer.zmags.com/publication/1334d168?page=21"> Dedication to Data Insurers must use data more ef</a> <a title="Best's Review - May 2019 Edition page 22" href="http://viewer.zmags.com/publication/1334d168?page=22"> Risk Adviser Break New Ground Life insurers are </a> <a title="Best's Review - May 2019 Edition page 23" href="http://viewer.zmags.com/publication/1334d168?page=23"> Data Everywhere The internet of things, along wit</a> <a title="Best's Review - May 2019 Edition page 24" href="http://viewer.zmags.com/publication/1334d168?page=24"> Regulatory/Law Don't Stifle It Rules need to mana</a> <a title="Best's Review - May 2019 Edition page 25" href="http://viewer.zmags.com/publication/1334d168?page=25"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - May 2019 Edition page 26" href="http://viewer.zmags.com/publication/1334d168?page=26"> We believe every customer deserves person-to-pers</a> <a title="Best's Review - May 2019 Edition page 27" href="http://viewer.zmags.com/publication/1334d168?page=27"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - May 2019 Edition page 28" href="http://viewer.zmags.com/publication/1334d168?page=28"> Focused on solutions. We are. Inspiration to re</a> <a title="Best's Review - May 2019 Edition page 29" href="http://viewer.zmags.com/publication/1334d168?page=29"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - May 2019 Edition page 30" href="http://viewer.zmags.com/publication/1334d168?page=30"> The Data Wild West of Data Photo Illustration</a> <a title="Best's Review - May 2019 Edition page 31" href="http://viewer.zmags.com/publication/1334d168?page=31"> Key Points Real-Time World: Insurers are moving </a> <a title="Best's Review - May 2019 Edition page 32" href="http://viewer.zmags.com/publication/1334d168?page=32"> Data A black box lies hidden from vi</a> <a title="Best's Review - May 2019 Edition page 33" href="http://viewer.zmags.com/publication/1334d168?page=33"> Changing Times, </a> <a title="Best's Review - May 2019 Edition page 34" href="http://viewer.zmags.com/publication/1334d168?page=34"> Data “Credit is something that is being wrestled</a> <a title="Best's Review - May 2019 Edition page 35" href="http://viewer.zmags.com/publication/1334d168?page=35"> Optimize Pricing and Risk Strategies with ® On</a> <a title="Best's Review - May 2019 Edition page 36" href="http://viewer.zmags.com/publication/1334d168?page=36"> Data the front seat passengers and whether the d</a> <a title="Best's Review - May 2019 Edition page 37" href="http://viewer.zmags.com/publication/1334d168?page=37"> Lucker said.“Every single website you go to has s</a> <a title="Best's Review - May 2019 Edition page 38" href="http://viewer.zmags.com/publication/1334d168?page=38"> Data: Underwriting Data Key Points Clear Pi</a> <a title="Best's Review - May 2019 Edition page 39" href="http://viewer.zmags.com/publication/1334d168?page=39"> Driven An explosion H </a> <a title="Best's Review - May 2019 Edition page 40" href="http://viewer.zmags.com/publication/1334d168?page=40"> Data: Underwriting “We did a project for </a> <a title="Best's Review - May 2019 Edition page 41" href="http://viewer.zmags.com/publication/1334d168?page=41"> transactional,primary sources of data,”Marr said.</a> <a title="Best's Review - May 2019 Edition page 42" href="http://viewer.zmags.com/publication/1334d168?page=42"> Data: Underwriting “Advanced analytics lets us t</a> <a title="Best's Review - May 2019 Edition page 43" href="http://viewer.zmags.com/publication/1334d168?page=43"> Data: Technology CLOSER LOOK: Chris Cheatham (le</a> <a title="Best's Review - May 2019 Edition page 44" href="http://viewer.zmags.com/publication/1334d168?page=44"> Data: Technology AMBest TV spoke with</a> <a title="Best's Review - May 2019 Edition page 45" href="http://viewer.zmags.com/publication/1334d168?page=45"> our North American organization, there was an imm</a> <a title="Best's Review - May 2019 Edition page 46" href="http://viewer.zmags.com/publication/1334d168?page=46"> Data: Life Insurance A REVOLUTION IN UNDERWRITI</a> <a title="Best's Review - May 2019 Edition page 47" href="http://viewer.zmags.com/publication/1334d168?page=47"> BEST'S REV)%7s-!9 45</a> <a title="Best's Review - May 2019 Edition page 48" href="http://viewer.zmags.com/publication/1334d168?page=48"> Data: Life Insurance Using alternative data</a> <a title="Best's Review - May 2019 Edition page 49" href="http://viewer.zmags.com/publication/1334d168?page=49"> Just one out of 160 </a> <a title="Best's Review - May 2019 Edition page 50" href="http://viewer.zmags.com/publication/1334d168?page=50"> Data: Life Insurance spots can offer information</a> <a title="Best's Review - May 2019 Edition page 51" href="http://viewer.zmags.com/publication/1334d168?page=51"> How does your capitalization stack up? Best</a> <a title="Best's Review - May 2019 Edition page 52" href="http://viewer.zmags.com/publication/1334d168?page=52"> Data: Health Insurance Weighing On Wearables In C</a> <a title="Best's Review - May 2019 Edition page 53" href="http://viewer.zmags.com/publication/1334d168?page=53"> Key Points Weighing in on Wearables: Wearables a</a> <a title="Best's Review - May 2019 Edition page 54" href="http://viewer.zmags.com/publication/1334d168?page=54"> Data: Health Insurance track their daily activit</a> <a title="Best's Review - May 2019 Edition page 55" href="http://viewer.zmags.com/publication/1334d168?page=55"> history information they want to share with Apple</a> <a title="Best's Review - May 2019 Edition page 56" href="http://viewer.zmags.com/publication/1334d168?page=56"> Data: Health Insurance Health insurers use a ble</a> <a title="Best's Review - May 2019 Edition page 57" href="http://viewer.zmags.com/publication/1334d168?page=57"> Data: Emerging Technologies EMERGING TECH: Tom V</a> <a title="Best's Review - May 2019 Edition page 58" href="http://viewer.zmags.com/publication/1334d168?page=58"> Data: Emerging Technologies allowing us to analy</a> <a title="Best's Review - May 2019 Edition page 59" href="http://viewer.zmags.com/publication/1334d168?page=59"> “We've learned that hierarchies don't make that d</a> <a title="Best's Review - May 2019 Edition page 60" href="http://viewer.zmags.com/publication/1334d168?page=60"> Emerging Leaders Conference Own Your Career St</a> <a title="Best's Review - May 2019 Edition page 61" href="http://viewer.zmags.com/publication/1334d168?page=61"> Galanski, who has been CEO of Navigators </a> <a title="Best's Review - May 2019 Edition page 62" href="http://viewer.zmags.com/publication/1334d168?page=62"> Emerging Leaders Conference I joined our</a> <a title="Best's Review - May 2019 Edition page 63" href="http://viewer.zmags.com/publication/1334d168?page=63"> You're going to have to do more with less. Yo</a> <a title="Best's Review - May 2019 Edition page 64" href="http://viewer.zmags.com/publication/1334d168?page=64"> Asset Management Expecting to Grow A study show</a> <a title="Best's Review - May 2019 Edition page 65" href="http://viewer.zmags.com/publication/1334d168?page=65"> The third is that the bond ecosystem is chang</a> <a title="Best's Review - May 2019 Edition page 66" href="http://viewer.zmags.com/publication/1334d168?page=66"> Asset Management cycle?”We're arguably in the lo</a> <a title="Best's Review - May 2019 Edition page 67" href="http://viewer.zmags.com/publication/1334d168?page=67"> They can be used for much more strategic func</a> <a title="Best's Review - May 2019 Edition page 68" href="http://viewer.zmags.com/publication/1334d168?page=68"> What AM Best Says Looking Beyond Technology A</a> <a title="Best's Review - May 2019 Edition page 69" href="http://viewer.zmags.com/publication/1334d168?page=69"> formal, explicit assessment of innovation and how</a> <a title="Best's Review - May 2019 Edition page 70" href="http://viewer.zmags.com/publication/1334d168?page=70"> AM Best Assesses Innovation in Draft Criteria Wh</a> <a title="Best's Review - May 2019 Edition page 71" href="http://viewer.zmags.com/publication/1334d168?page=71"> and may ultimately be subject to anti-selection a</a> <a title="Best's Review - May 2019 Edition page 72" href="http://viewer.zmags.com/publication/1334d168?page=72"> Best's Rankings AM Best Data U.S. Property/Casu</a> <a title="Best's Review - May 2019 Edition page 73" href="http://viewer.zmags.com/publication/1334d168?page=73"> BEST'S INSURANCE NEWS & ANALYSIS The Right News, </a> <a title="Best's Review - May 2019 Edition page 74" href="http://viewer.zmags.com/publication/1334d168?page=74"> Best's Credit Rating Actions Rating Actions T </a> <a title="Best's Review - May 2019 Edition page 75" href="http://viewer.zmags.com/publication/1334d168?page=75"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - May 2019 Edition page 76" href="http://viewer.zmags.com/publication/1334d168?page=76"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - May 2019 Edition page 77" href="http://viewer.zmags.com/publication/1334d168?page=77"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - May 2019 Edition page 78" href="http://viewer.zmags.com/publication/1334d168?page=78"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) Rating</a> <a title="Best's Review - May 2019 Edition page 79" href="http://viewer.zmags.com/publication/1334d168?page=79"> Best's Insurance Professionals and Claims Resourc</a> <a title="Best's Review - May 2019 Edition page 80" href="http://viewer.zmags.com/publication/1334d168?page=80"> Open for Business Industry Updates Regulators: </a> <a title="Best's Review - May 2019 Edition page 81" href="http://viewer.zmags.com/publication/1334d168?page=81"> Connect with AM Best On Twitter @AMBestCo @A</a> <a title="Best's Review - May 2019 Edition page 82" href="http://viewer.zmags.com/publication/1334d168?page=82"> The Last Word Into the Wild A U.K. specialty ins</a> <a title="Best's Review - May 2019 Edition page 83" href="http://viewer.zmags.com/publication/1334d168?page=83"> Get the Best Perspective on Financial Strength T</a> <a title="Best's Review - May 2019 Edition page 84" href="http://viewer.zmags.com/publication/1334d168?page=84"> Expect big things in workers' compensation. Most </a>