<br /> Infrastructure Investing Stop-Loss Insurance Homeowners Insurers ISSUES & ANSWERS:<br /> In the Trump Era Sees Growing Interest Encounter Stormy Weather Technology Innovation<br /> Page 34 Page 39 Pages 45-58 Pages 23-33<br /> .OVEMBERs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> REGULATING<br /> DISRUPTION<br /> Regulators and<br /> insurtech innovators<br /> seek to collaborate<br /> earlier and build a<br /> common understanding.<br /> Pages 59-79<br /> Stone houses.<br /> Aluminum bats.<br /> Our client<br /> relationships.<br /> (Things that last.)<br /> At Maiden Re, we take<a title="Best's Review - November 2017 Edition page 1" href="http://viewer.zmags.com/publication/440063a7?page=1"> Infrastructure Investing Stop-Loss In</a> <a title="Best's Review - November 2017 Edition page 2" href="http://viewer.zmags.com/publication/440063a7?page=2"> Stone houses. Aluminum bats. Our client relatio</a> <a title="Best's Review - November 2017 Edition page 3" href="http://viewer.zmags.com/publication/440063a7?page=3"> From the Editor's Desk Culture Clash Innov</a> <a title="Best's Review - November 2017 Edition page 4" href="http://viewer.zmags.com/publication/440063a7?page=4"> Contents REGULATION 59-79 Changing customer expe</a> <a title="Best's Review - November 2017 Edition page 5" href="http://viewer.zmags.com/publication/440063a7?page=5"> ˜ÃÕÀ>˜ViˆÃVœ“«ˆV>Ìi`° But it doesn't have to Li`</a> <a title="Best's Review - November 2017 Edition page 6" href="http://viewer.zmags.com/publication/440063a7?page=6"> Contents HOMEOWNERS INSURANCE </a> <a title="Best's Review - November 2017 Edition page 7" href="http://viewer.zmags.com/publication/440063a7?page=7"> hanover.com </a> <a title="Best's Review - November 2017 Edition page 8" href="http://viewer.zmags.com/publication/440063a7?page=8"> Best's Review Interactive @ www.bestreview.com D</a> <a title="Best's Review - November 2017 Edition page 9" href="http://viewer.zmags.com/publication/440063a7?page=9"> ® A.M. Best's Holzberger: Mutual Insurer</a> <a title="Best's Review - November 2017 Edition page 10" href="http://viewer.zmags.com/publication/440063a7?page=10"> Executive Changes Department COMPANYSPRESIDENTA</a> <a title="Best's Review - November 2017 Edition page 11" href="http://viewer.zmags.com/publication/440063a7?page=11"> family, will continue with the company as vice ch</a> <a title="Best's Review - November 2017 Edition page 12" href="http://viewer.zmags.com/publication/440063a7?page=12"> Insurance Marketing Walk the Line Department </a> <a title="Best's Review - November 2017 Edition page 13" href="http://viewer.zmags.com/publication/440063a7?page=13"> What Readers Say/Best's Calendar I thought the </a> <a title="Best's Review - November 2017 Edition page 14" href="http://viewer.zmags.com/publication/440063a7?page=14"> A Global Conversation Department Regulation's I</a> <a title="Best's Review - November 2017 Edition page 15" href="http://viewer.zmags.com/publication/440063a7?page=15"> “ I f you look at regulatory developments, for ex</a> <a title="Best's Review - November 2017 Edition page 16" href="http://viewer.zmags.com/publication/440063a7?page=16"> Next Wave Department Be A fter wrea</a> <a title="Best's Review - November 2017 Edition page 17" href="http://viewer.zmags.com/publication/440063a7?page=17"> Spotlight on Workers' Compensation Insurtech Wor</a> <a title="Best's Review - November 2017 Edition page 18" href="http://viewer.zmags.com/publication/440063a7?page=18"> Spotlight on Cyber Higher Cyber Limits Departme</a> <a title="Best's Review - November 2017 Edition page 19" href="http://viewer.zmags.com/publication/440063a7?page=19"> Spotlight on Surplus Lines California Clears Way</a> <a title="Best's Review - November 2017 Edition page 20" href="http://viewer.zmags.com/publication/440063a7?page=20"> At Large Insight Facing Disaster If the U.S. ca</a> <a title="Best's Review - November 2017 Edition page 21" href="http://viewer.zmags.com/publication/440063a7?page=21"> Risk Adviser A New Role Insight Insurance brok</a> <a title="Best's Review - November 2017 Edition page 22" href="http://viewer.zmags.com/publication/440063a7?page=22"> Technology Insight Making Change Work Insurer</a> <a title="Best's Review - November 2017 Edition page 23" href="http://viewer.zmags.com/publication/440063a7?page=23"> Regulatory/Law Forward Vision Insight New York</a> <a title="Best's Review - November 2017 Edition page 24" href="http://viewer.zmags.com/publication/440063a7?page=24"> Life Captives Different Views Insurers have vari</a> <a title="Best's Review - November 2017 Edition page 25" href="http://viewer.zmags.com/publication/440063a7?page=25"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - November 2017 Edition page 26" href="http://viewer.zmags.com/publication/440063a7?page=26"> We believe every customer deserves person-to-pers</a> <a title="Best's Review - November 2017 Edition page 27" href="http://viewer.zmags.com/publication/440063a7?page=27"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - November 2017 Edition page 28" href="http://viewer.zmags.com/publication/440063a7?page=28"> Liars Lie. Can you handle the truth? "#' &## </a> <a title="Best's Review - November 2017 Edition page 29" href="http://viewer.zmags.com/publication/440063a7?page=29"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - November 2017 Edition page 30" href="http://viewer.zmags.com/publication/440063a7?page=30"> </a> <a title="Best's Review - November 2017 Edition page 31" href="http://viewer.zmags.com/publication/440063a7?page=31"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - November 2017 Edition page 32" href="http://viewer.zmags.com/publication/440063a7?page=32"> + Lower TCO Digital First Reduced Risk Complete</a> <a title="Best's Review - November 2017 Edition page 33" href="http://viewer.zmags.com/publication/440063a7?page=33"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - November 2017 Edition page 34" href="http://viewer.zmags.com/publication/440063a7?page=34"> Today you need powerful underwriting more than ev</a> <a title="Best's Review - November 2017 Edition page 35" href="http://viewer.zmags.com/publication/440063a7?page=35"> SPECIAL ADVERTISING SECTION Issues &</a> <a title="Best's Review - November 2017 Edition page 36" href="http://viewer.zmags.com/publication/440063a7?page=36"> Asset Management BUILDING Insurers are lining up</a> <a title="Best's Review - November 2017 Edition page 37" href="http://viewer.zmags.com/publication/440063a7?page=37"> DEMAND AAAAAAsssssssssseeeetttt MMMMMMaaaaannnnn</a> <a title="Best's Review - November 2017 Edition page 38" href="http://viewer.zmags.com/publication/440063a7?page=38"> Asset Management infrastructure conversation—it'</a> <a title="Best's Review - November 2017 Edition page 39" href="http://viewer.zmags.com/publication/440063a7?page=39"> ADVERTISEMENT CONNversations Smart thinking from </a> <a title="Best's Review - November 2017 Edition page 40" href="http://viewer.zmags.com/publication/440063a7?page=40"> Asset Management Speaking of liquidity… insurers</a> <a title="Best's Review - November 2017 Edition page 41" href="http://viewer.zmags.com/publication/440063a7?page=41"> Life Insurance RIPE FOR GROWTH The stop-loss ins</a> <a title="Best's Review - November 2017 Edition page 42" href="http://viewer.zmags.com/publication/440063a7?page=42"> Life Insurance carriers as well as health insure</a> <a title="Best's Review - November 2017 Edition page 43" href="http://viewer.zmags.com/publication/440063a7?page=43"> Streamline Your Insurer Financial Research with </a> <a title="Best's Review - November 2017 Edition page 44" href="http://viewer.zmags.com/publication/440063a7?page=44"> Top 10 Stop-Loss Writers - 2016 Ranked by 2016 ne</a> <a title="Best's Review - November 2017 Edition page 45" href="http://viewer.zmags.com/publication/440063a7?page=45"> “The pace of growth is very high. Employers now s</a> <a title="Best's Review - November 2017 Edition page 46" href="http://viewer.zmags.com/publication/440063a7?page=46"> Life Insurance “Self-insurance provides some deg</a> <a title="Best's Review - November 2017 Edition page 47" href="http://viewer.zmags.com/publication/440063a7?page=47"> CATASTROPHE DAMAGE: Hurricane Harvey flooding in T</a> <a title="Best's Review - November 2017 Edition page 48" href="http://viewer.zmags.com/publication/440063a7?page=48"> Homeowners Insurance Weather After a long stretc</a> <a title="Best's Review - November 2017 Edition page 49" href="http://viewer.zmags.com/publication/440063a7?page=49"> Y RISING WATER: A business in Sargent, Texas, is</a> <a title="Best's Review - November 2017 Edition page 50" href="http://viewer.zmags.com/publication/440063a7?page=50"> Homeowners Insurance But that all change</a> <a title="Best's Review - November 2017 Edition page 51" href="http://viewer.zmags.com/publication/440063a7?page=51"> Best's Capital Adequacy Ratio Model – Property/Ca</a> <a title="Best's Review - November 2017 Edition page 52" href="http://viewer.zmags.com/publication/440063a7?page=52"> Homeowners Insurance “Each of the recent storms </a> <a title="Best's Review - November 2017 Edition page 53" href="http://viewer.zmags.com/publication/440063a7?page=53"> stretch of quiet hurricane activity, and private </a> <a title="Best's Review - November 2017 Edition page 54" href="http://viewer.zmags.com/publication/440063a7?page=54"> Homeowners Insurance “We're seeing new construct</a> <a title="Best's Review - November 2017 Edition page 55" href="http://viewer.zmags.com/publication/440063a7?page=55"> U.S. Homeowners Multiple Peril – 2016 Top Writers</a> <a title="Best's Review - November 2017 Edition page 56" href="http://viewer.zmags.com/publication/440063a7?page=56"> U.S. Homeowners Multiple Peril - Top Writers by S</a> <a title="Best's Review - November 2017 Edition page 57" href="http://viewer.zmags.com/publication/440063a7?page=57"> Put to </a> <a title="Best's Review - November 2017 Edition page 58" href="http://viewer.zmags.com/publication/440063a7?page=58"> Homeowners Insurance Exhibit 1 Florida Direct Pr</a> <a title="Best's Review - November 2017 Edition page 59" href="http://viewer.zmags.com/publication/440063a7?page=59"> thisevent,althoughtheultimateimpactwilldepend </a> <a title="Best's Review - November 2017 Edition page 60" href="http://viewer.zmags.com/publication/440063a7?page=60"> Homeowners Insurance close in proximity, the dem</a> <a title="Best's Review - November 2017 Edition page 61" href="http://viewer.zmags.com/publication/440063a7?page=61"> RReegguullaattiioonn REGULATION C competition, </a> <a title="Best's Review - November 2017 Edition page 62" href="http://viewer.zmags.com/publication/440063a7?page=62"> Regulation REGULATING DISRUPTION 60 </a> <a title="Best's Review - November 2017 Edition page 63" href="http://viewer.zmags.com/publication/440063a7?page=63"> Regulators and insurtech innovators are seeking t</a> <a title="Best's Review - November 2017 Edition page 64" href="http://viewer.zmags.com/publication/440063a7?page=64"> Regulation W hen Brian Hemesath l</a> <a title="Best's Review - November 2017 Edition page 65" href="http://viewer.zmags.com/publication/440063a7?page=65"> innovation and consumer protection. “There </a> <a title="Best's Review - November 2017 Edition page 66" href="http://viewer.zmags.com/publication/440063a7?page=66"> Attracting Innovation Hong Kong launches initiati</a> <a title="Best's Review - November 2017 Edition page 67" href="http://viewer.zmags.com/publication/440063a7?page=67"> If you have time for only one magazine, Best's Re</a> <a title="Best's Review - November 2017 Edition page 68" href="http://viewer.zmags.com/publication/440063a7?page=68"> (Continued from page 63) Regulation on a differ</a> <a title="Best's Review - November 2017 Edition page 69" href="http://viewer.zmags.com/publication/440063a7?page=69"> “It's 50 different conversations, 50 different se</a> <a title="Best's Review - November 2017 Edition page 70" href="http://viewer.zmags.com/publication/440063a7?page=70"> Regulation “There are rules and laws put in plac</a> <a title="Best's Review - November 2017 Edition page 71" href="http://viewer.zmags.com/publication/440063a7?page=71"> An Regulation Unstoppable FORCE Disruptive tec</a> <a title="Best's Review - November 2017 Edition page 72" href="http://viewer.zmags.com/publication/440063a7?page=72"> Regulation “By the same token, I'm afraid we're </a> <a title="Best's Review - November 2017 Edition page 73" href="http://viewer.zmags.com/publication/440063a7?page=73"> What A.M. Best Says Best's Special Report Examin</a> <a title="Best's Review - November 2017 Edition page 74" href="http://viewer.zmags.com/publication/440063a7?page=74"> Department crisis. Growth rates have been more t</a> <a title="Best's Review - November 2017 Edition page 75" href="http://viewer.zmags.com/publication/440063a7?page=75"> cautious with respect to the uncertainty surround</a> <a title="Best's Review - November 2017 Edition page 76" href="http://viewer.zmags.com/publication/440063a7?page=76"> Regulation At the Intersection Insurtech firms a</a> <a title="Best's Review - November 2017 Edition page 77" href="http://viewer.zmags.com/publication/440063a7?page=77"> Regulation bicycle coverage and charges insureds</a> <a title="Best's Review - November 2017 Edition page 78" href="http://viewer.zmags.com/publication/440063a7?page=78"> Regulation too embrace disruption and change. Fo</a> <a title="Best's Review - November 2017 Edition page 79" href="http://viewer.zmags.com/publication/440063a7?page=79"> or otherwise seek the approval of one or more ins</a> <a title="Best's Review - November 2017 Edition page 80" href="http://viewer.zmags.com/publication/440063a7?page=80"> Regulation A CLOSER LOOK Foreign interest in U.</a> <a title="Best's Review - November 2017 Edition page 81" href="http://viewer.zmags.com/publication/440063a7?page=81"> The world has changed but the rules remain pretty</a> <a title="Best's Review - November 2017 Edition page 82" href="http://viewer.zmags.com/publication/440063a7?page=82"> Best's Credit Rating Actions Department T </a> <a title="Best's Review - November 2017 Edition page 83" href="http://viewer.zmags.com/publication/440063a7?page=83"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - November 2017 Edition page 84" href="http://viewer.zmags.com/publication/440063a7?page=84"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - November 2017 Edition page 85" href="http://viewer.zmags.com/publication/440063a7?page=85"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - November 2017 Edition page 86" href="http://viewer.zmags.com/publication/440063a7?page=86"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - November 2017 Edition page 87" href="http://viewer.zmags.com/publication/440063a7?page=87"> Industry Updates US House Bills Would Rein in </a> <a title="Best's Review - November 2017 Edition page 88" href="http://viewer.zmags.com/publication/440063a7?page=88"> Department discussions and preserve the state-ba</a> <a title="Best's Review - November 2017 Edition page 89" href="http://viewer.zmags.com/publication/440063a7?page=89"> Share your knowledge with our 58,000-p</a> <a title="Best's Review - November 2017 Edition page 90" href="http://viewer.zmags.com/publication/440063a7?page=90"> The Last Word Department EYE SKY Drones gave in</a> <a title="Best's Review - November 2017 Edition page 91" href="http://viewer.zmags.com/publication/440063a7?page=91"> "When you look too long at the data, the data sta</a> <a title="Best's Review - November 2017 Edition page 92" href="http://viewer.zmags.com/publication/440063a7?page=92"> Expect big things in workers' compensation. Most </a>