Mutual Insurance

Mutual companies turn to our team when they need help with pricing and reserving. Our product management studies have been proven to improve bottom lines by monitoring target business operations and helping clients accurately evaluate the effect of various company initiatives.

Specific reports and analyses that have proven valuable include:

  • Aging of open claims
  • Loss frequency and severity
  • Concentration of insured values by zip code or territory
  • Analysis of results for both the voluntary and involuntary markets (especially critical for some state/line of business combinations, such as Massachusetts Personal Auto)
  • Residual market analysis to determine alternatives for reducing the burden of insuring less desirable risks and minimize their overall loss ratio
  • Recoveries from third parties and how they compare to the industry average
  • Analysis of contingent commissions paid to agents vs. results

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Brian Johnson

Brian Johnson,


CEO and Consulting Actuary

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