<br /> Cannabis and Risk Manager Active Shooter Response: ISSUES & ANSWERS<br /> Life Insurance Wish List New Study on Options Risk and Risk Modeling<br /> Page 38 Page 46 Page 52 Pages 25-31<br /> !PRILs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> AM BEST'S MONTHLY INSURANCE MAGAZINE<br /> GROWTH<br /> INDUSTRY<br /> As states across the country move to legalize cannabis, insurers assess the<br /> risks but remain cautious of market entry. Page 32<br /> APPLIED PROTECTS THE<br /> TITANS OF INDUSTRY.<br /> ®<br /> IT PAYS TO GET A QUOTE FROM APPLIED<a title="Best'sReview_April_2019 page 1" href="http://viewer.zmags.com/publication/242c5b26?page=1"> Cannabis and Risk Manag</a> <a title="Best'sReview_April_2019 page 2" href="http://viewer.zmags.com/publication/242c5b26?page=2"> APPLIED PROTECTS THE TITANS OF INDUSTRY. </a> <a title="Best'sReview_April_2019 page 3" href="http://viewer.zmags.com/publication/242c5b26?page=3"> Accepting large workers' compensation risks. Most</a> <a title="Best'sReview_April_2019 page 4" href="http://viewer.zmags.com/publication/242c5b26?page=4"> Changes Ahead Editor's Desk From the Editor's D</a> <a title="Best'sReview_April_2019 page 5" href="http://viewer.zmags.com/publication/242c5b26?page=5"> You're the expert on your business. But we can he</a> <a title="Best'sReview_April_2019 page 6" href="http://viewer.zmags.com/publication/242c5b26?page=6"> ACTIVE SHOOTER RESPONSE Contents </a> <a title="Best'sReview_April_2019 page 7" href="http://viewer.zmags.com/publication/242c5b26?page=7"> </a> <a title="Best'sReview_April_2019 page 8" href="http://viewer.zmags.com/publication/242c5b26?page=8"> ON THE COVER Contents 32 Growth Industry 46 Wis</a> <a title="Best'sReview_April_2019 page 9" href="http://viewer.zmags.com/publication/242c5b26?page=9"> Tech Making Waves An AM Best webinar examines wh</a> <a title="Best'sReview_April_2019 page 10" href="http://viewer.zmags.com/publication/242c5b26?page=10"> Emerging Leaders, Data AM Best TV & Radio Analy</a> <a title="Best'sReview_April_2019 page 11" href="http://viewer.zmags.com/publication/242c5b26?page=11"> QBE's Johnston: Succeeding In Specialty Coverage </a> <a title="Best'sReview_April_2019 page 12" href="http://viewer.zmags.com/publication/242c5b26?page=12"> Best's Calendar April 1 – 3: Life Insurance Conf</a> <a title="Best'sReview_April_2019 page 13" href="http://viewer.zmags.com/publication/242c5b26?page=13"> Former CFO at AIG Joins Health Insurtech Oscar A</a> <a title="Best'sReview_April_2019 page 14" href="http://viewer.zmags.com/publication/242c5b26?page=14"> Executive Changes West Virginia Governor Names N</a> <a title="Best'sReview_April_2019 page 15" href="http://viewer.zmags.com/publication/242c5b26?page=15"> Axa UK and Ireland Fills Newly Created Chief Oper</a> <a title="Best'sReview_April_2019 page 16" href="http://viewer.zmags.com/publication/242c5b26?page=16"> What Readers Say Monthly Insurance Magazine </a> <a title="Best'sReview_April_2019 page 17" href="http://viewer.zmags.com/publication/242c5b26?page=17"> Spreading the Word Cigna is using star power to e</a> <a title="Best'sReview_April_2019 page 18" href="http://viewer.zmags.com/publication/242c5b26?page=18"> A Global Conversation “ I think after two very </a> <a title="Best'sReview_April_2019 page 19" href="http://viewer.zmags.com/publication/242c5b26?page=19"> to calibrate the model to what cyber insurers are</a> <a title="Best'sReview_April_2019 page 20" href="http://viewer.zmags.com/publication/242c5b26?page=20"> When to Say No The Next Wave L a</a> <a title="Best'sReview_April_2019 page 21" href="http://viewer.zmags.com/publication/242c5b26?page=21"> </a> <a title="Best'sReview_April_2019 page 22" href="http://viewer.zmags.com/publication/242c5b26?page=22"> Regulatory Update In the News A risk retention </a> <a title="Best'sReview_April_2019 page 23" href="http://viewer.zmags.com/publication/242c5b26?page=23"> New SIFI Process Proposed, Will Focus on Systemic</a> <a title="Best'sReview_April_2019 page 24" href="http://viewer.zmags.com/publication/242c5b26?page=24"> Risk Adviser A Stubborn Truth Debunking the many</a> <a title="Best'sReview_April_2019 page 25" href="http://viewer.zmags.com/publication/242c5b26?page=25"> The Data Divide Data ethics and data governance n</a> <a title="Best'sReview_April_2019 page 26" href="http://viewer.zmags.com/publication/242c5b26?page=26"> Regulatory/Law Good Times and Bad The trauma of </a> <a title="Best'sReview_April_2019 page 27" href="http://viewer.zmags.com/publication/242c5b26?page=27"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best'sReview_April_2019 page 28" href="http://viewer.zmags.com/publication/242c5b26?page=28"> We believe every customer deserves person-to-pers</a> <a title="Best'sReview_April_2019 page 29" href="http://viewer.zmags.com/publication/242c5b26?page=29"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best'sReview_April_2019 page 30" href="http://viewer.zmags.com/publication/242c5b26?page=30"> More insurers are embracing InsurTech to deliver </a> <a title="Best'sReview_April_2019 page 31" href="http://viewer.zmags.com/publication/242c5b26?page=31"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best'sReview_April_2019 page 32" href="http://viewer.zmags.com/publication/242c5b26?page=32"> STATUS QUO CIRCLES YOUR PROBLEMS. </a> <a title="Best'sReview_April_2019 page 33" href="http://viewer.zmags.com/publication/242c5b26?page=33"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best'sReview_April_2019 page 34" href="http://viewer.zmags.com/publication/242c5b26?page=34"> Industry As states across the country move to leg</a> <a title="Best'sReview_April_2019 page 35" href="http://viewer.zmags.com/publication/242c5b26?page=35"> “We probably won't see it legalized at the federa</a> <a title="Best'sReview_April_2019 page 36" href="http://viewer.zmags.com/publication/242c5b26?page=36"> Marijuana: Emerging Risks currently offer covera</a> <a title="Best'sReview_April_2019 page 37" href="http://viewer.zmags.com/publication/242c5b26?page=37"> “If the banking gets cleared up, you're going to </a> <a title="Best'sReview_April_2019 page 38" href="http://viewer.zmags.com/publication/242c5b26?page=38"> 3URMHFWHG*URZWKRI 0DULMXDQD5HYHQXH Marijuana: E</a> <a title="Best'sReview_April_2019 page 39" href="http://viewer.zmags.com/publication/242c5b26?page=39"> “A million-dollar loss is likely to happen, espec</a> <a title="Best'sReview_April_2019 page 40" href="http://viewer.zmags.com/publication/242c5b26?page=40"> A GREEN Marijuana: Life Insurance 38 </a> <a title="Best'sReview_April_2019 page 41" href="http://viewer.zmags.com/publication/242c5b26?page=41"> Shift Key Points Tobacco Rates: The majority of </a> <a title="Best'sReview_April_2019 page 42" href="http://viewer.zmags.com/publication/242c5b26?page=42"> Marijuana: Life Insurance That translates i</a> <a title="Best'sReview_April_2019 page 43" href="http://viewer.zmags.com/publication/242c5b26?page=43"> little bit and not so afraid to admit using it,”A</a> <a title="Best'sReview_April_2019 page 44" href="http://viewer.zmags.com/publication/242c5b26?page=44"> Marijuana: Life Insurance Prudential and Li</a> <a title="Best'sReview_April_2019 page 45" href="http://viewer.zmags.com/publication/242c5b26?page=45"> “It is a bit of a misnomer that anyone smoking ma</a> <a title="Best'sReview_April_2019 page 46" href="http://viewer.zmags.com/publication/242c5b26?page=46"> Marijuana: Life Insurance “It's definitely a gro</a> <a title="Best'sReview_April_2019 page 47" href="http://viewer.zmags.com/publication/242c5b26?page=47"> Get the Best Perspective on Financial Strength T</a> <a title="Best'sReview_April_2019 page 48" href="http://viewer.zmags.com/publication/242c5b26?page=48"> Risk Management 46 BEST'S REV)%7s</a> <a title="Best'sReview_April_2019 page 49" href="http://viewer.zmags.com/publication/242c5b26?page=49"> Wish List </a> <a title="Best'sReview_April_2019 page 50" href="http://viewer.zmags.com/publication/242c5b26?page=50"> Risk Management L ong before he moved i</a> <a title="Best'sReview_April_2019 page 51" href="http://viewer.zmags.com/publication/242c5b26?page=51"> from what they might have lumped me in as. So I </a> <a title="Best'sReview_April_2019 page 52" href="http://viewer.zmags.com/publication/242c5b26?page=52"> Risk Management them. I like them to understand </a> <a title="Best'sReview_April_2019 page 53" href="http://viewer.zmags.com/publication/242c5b26?page=53"> ACTIVE Active Shooter Response SHOOTER: Finding</a> <a title="Best'sReview_April_2019 page 54" href="http://viewer.zmags.com/publication/242c5b26?page=54"> Active Shooter Response Studying Photo Courtesy</a> <a title="Best'sReview_April_2019 page 55" href="http://viewer.zmags.com/publication/242c5b26?page=55"> Key Points The Situation: Little research has be</a> <a title="Best'sReview_April_2019 page 56" href="http://viewer.zmags.com/publication/242c5b26?page=56"> Active Shooter Response F or de</a> <a title="Best'sReview_April_2019 page 57" href="http://viewer.zmags.com/publication/242c5b26?page=57"> and under or behind desks, chairs, bookcases or o</a> <a title="Best'sReview_April_2019 page 58" href="http://viewer.zmags.com/publication/242c5b26?page=58"> Active Shooter Response Regression Analy</a> <a title="Best'sReview_April_2019 page 59" href="http://viewer.zmags.com/publication/242c5b26?page=59"> In Support of Lockdown Active Shooter Respons</a> <a title="Best'sReview_April_2019 page 60" href="http://viewer.zmags.com/publication/242c5b26?page=60"> Active Shooter Response “fight”component of Run,</a> <a title="Best'sReview_April_2019 page 61" href="http://viewer.zmags.com/publication/242c5b26?page=61"> cases and low percentages fail to reasonably supp</a> <a title="Best'sReview_April_2019 page 62" href="http://viewer.zmags.com/publication/242c5b26?page=62"> Active Shooter Response No Easy Answers A school</a> <a title="Best'sReview_April_2019 page 63" href="http://viewer.zmags.com/publication/242c5b26?page=63"> traditional lockdowns, scenario-based training an</a> <a title="Best'sReview_April_2019 page 64" href="http://viewer.zmags.com/publication/242c5b26?page=64"> Active Shooter Response “Boiling down training i</a> <a title="Best'sReview_April_2019 page 65" href="http://viewer.zmags.com/publication/242c5b26?page=65"> Those are the kinds of events that don't get repo</a> <a title="Best'sReview_April_2019 page 66" href="http://viewer.zmags.com/publication/242c5b26?page=66"> Executive Interview Lessons In Leadership AIG'</a> <a title="Best'sReview_April_2019 page 67" href="http://viewer.zmags.com/publication/242c5b26?page=67"> Best's Insurance Reports® Gives You a Panoramic V</a> <a title="Best'sReview_April_2019 page 68" href="http://viewer.zmags.com/publication/242c5b26?page=68"> have issues.Your leadership has to withstand the </a> <a title="Best'sReview_April_2019 page 69" href="http://viewer.zmags.com/publication/242c5b26?page=69"> It's Complicated Unanticipated risks, growing leg</a> <a title="Best'sReview_April_2019 page 70" href="http://viewer.zmags.com/publication/242c5b26?page=70"> Directors & Officers Insurance “Over the past fe</a> <a title="Best'sReview_April_2019 page 71" href="http://viewer.zmags.com/publication/242c5b26?page=71"> US Property/Casualty Financial Results Improve </a> <a title="Best'sReview_April_2019 page 72" href="http://viewer.zmags.com/publication/242c5b26?page=72"> What AM Best Says ([KLELW 863URSHUW\&DVXDOW\±&RP</a> <a title="Best'sReview_April_2019 page 73" href="http://viewer.zmags.com/publication/242c5b26?page=73"> Optimize Pricing and Risk Strategies with ® On</a> <a title="Best'sReview_April_2019 page 74" href="http://viewer.zmags.com/publication/242c5b26?page=74"> Best's Credit Rating Actions Rating Actions T </a> <a title="Best'sReview_April_2019 page 75" href="http://viewer.zmags.com/publication/242c5b26?page=75"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best'sReview_April_2019 page 76" href="http://viewer.zmags.com/publication/242c5b26?page=76"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best'sReview_April_2019 page 77" href="http://viewer.zmags.com/publication/242c5b26?page=77"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best'sReview_April_2019 page 78" href="http://viewer.zmags.com/publication/242c5b26?page=78"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) Rating</a> <a title="Best'sReview_April_2019 page 79" href="http://viewer.zmags.com/publication/242c5b26?page=79"> Fighting Myopia CNA Chief Diversity Officer Joyc</a> <a title="Best'sReview_April_2019 page 80" href="http://viewer.zmags.com/publication/242c5b26?page=80"> Information Controversy Industry Updates I </a> <a title="Best'sReview_April_2019 page 81" href="http://viewer.zmags.com/publication/242c5b26?page=81"> Connect with AM Best On Twitter @AMBestCo @A</a> <a title="Best'sReview_April_2019 page 82" href="http://viewer.zmags.com/publication/242c5b26?page=82"> The Last Word On Alert A rash of cyberattacks th</a> <a title="Best'sReview_April_2019 page 83" href="http://viewer.zmags.com/publication/242c5b26?page=83"> </a> <a title="Best'sReview_April_2019 page 84" href="http://viewer.zmags.com/publication/242c5b26?page=84"> Expect big things in workers' compensation. Most </a>