According to the 2018 U.S. Attorney's Annual Statistical Report, the Department of Justice (DOJ) filed more than 53,000 criminal cases that year. The majority of these filings are immigration, drug offense or violent crime cases, but there are a percentage of cases related to civil rights violations and discrimination.

Read full article written by Government Risks' Sarah Schmitz on page 7 of Public Risk Magazine.

AM Best has upgraded the Financial Strength Rating (FSR) to A+ (Superior) from A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) to “aa-” from “a+” of Atlantic Specialty Insurance Company (Atlantic Specialty) (New York, NY) and its subsidiaries (formerly known as OneBeacon Insurance Group).

• Net operating income per share up 19% to $1.93 in Q4-2018 driven by solid operating results
• Premiums grew 4% in the quarter and 16% for the full year fuelled by commercial lines across North America
• Strong combined ratio of 91.7% in Q4-2018 with significant improvement in personal auto
• Full year NOIPS of $5.74 drove Operating ROE of 12.1%, with over $1.3 billion of total capital margin
• Quarterly dividend increased by 9% to $0.76 per common share

It has been touted and critiqued, but everyone can at least agree that direct primary care (DPC) is leaving an imprint across the self-insured community. The real question is, can recasting the medical gatekeeper approach without any actual claims deliver better results?

Read the full article featuring quotes from OneBeacon Accident & Health's Christy Vago.

Banks do an excellent job keeping their customers safe while on the bank’s premises. However, there has been a significant uptick in robberies of bank customers taking place after they leave the safety of the bank’s parking lot.

Read the full article written by OneBeacon Financial Services' Craig Collins on page 16 of Kentucky Banker Magazine.

Most of us are well aware of ransomware and how prolific of an attack vector it has become. Attacks such as SamSam, WannaCry, NotPetya, Petya and others have resulted in significant economic damage to their victims, either through ransom payments or the associated downtime.

Nelson Kefauver has joined OneBeacon as President of its Management Liability business unit, reporting to Executive Vice President Paul Brehm. In his new role, Kefauver will lead a specialty underwriting team focused on providing management liability solutions targeting a broad range of not‐for‐profit organizations and private for‐profit companies throughout the U.S.

In 2003, the National Institute of Health’s (NIH) “Human Genome Project” (HGP) announced that it had completed its research involving the mapping of the entirety of the human genome. It revealed that there are over 20,000 individual genes in the human body, providing scientists and others with detailed information about the structure, organization and function of the human genome, along with a basic set of genetic patterns for the development and function of a human being.

Any commercial entity, including drug and alcohol testing businesses, that uses (i.e., allows employees to operate) vehicles that are not owned by the company, but are leased, hired, or borrowed, should consider the enterprise risk transfer strategy of insurance to address potential liabilities and losses. But what types of auto-insurance policies or endorsements to other policies are needed? Which policies are primary vs. secondary? Are there special considerations for drug and alcohol testing businesses? How should a company manage these risk exposures?

• Net operating income per share of $1.62, driven by a solid combined ratio of 93.8% across North America and strong net investment income
• Premiums grew 23% fuelled by OneBeacon and strong organic growth in commercial lines
• Combined ratio of 93.9% in Canada with significant improvement in personal auto, and solid OneBeacon results at 93.5%
• Operating ROE of 11.6% and a 6% increase in book value per share over the last twelve months, with $1.2 billion of total capital margin