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
Our Programs & Services

What We Do

Our job is making sure your business is adequately protected and that you fully understand the cost of that protection. Losses can come from any number of directions and impact your bottom line in more ways than you may like to admit. Losses sustained as a result of your company not begin able to produce income are typically covered by property insurance. Casualty insurance, on the other hand, is designed to protect you from legal liability and losses caused by injury to other people and their properties. This includes workers compensation coverage.

We offer a broad service offering designed to assist a wide array of clients in implementing and managing successful risk management/insurance programs. Consider the many ways that our insightful analyses could benefit your company or organization.

Captive Insurance Programs & Risk Retention Groups

We help clients efficiently manage and finance their exposures by establishing Captive Insurance Programs and Risk Retention Groups.

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Insurance Company Support

We are able to effectively support insurance companies with an array of services.

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Mutual Insurance

Mutual companies turn to our team when they need help with pricing and reserving.

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Self-Insurance Programs

We can assist with growing companies realizing significant savings through the creation of self-insurance programs.

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State Regulatory Support

We have a long, successful track record of working with State Departments of Insurance, providing insightful analysis in many areas.

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Expert Witness Services

We have assisted in numerous legal proceedings emanating from insurance disputes by providing expert actuarial services.

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Mergers and Acquisitions

Unbiased financial analyses and due diligence are critical in the merger or acquisition of an insurance entity.

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Contact Actuarial Consulting

CEO, Risk International Actuarial Consulting
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