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Services & Industries

Services Provided

Actuaries at Inform have experience in personal and commercial insurance, reinsurance, and the brokerage industry. This diverse background allows us to tackle almost any project. Our expertise ranges from the traditional lines of insurance – workers’ compensation, auto, and general liability, to the unique – medical malpractice, construction defect, and warranty. Our services include:

Evaluation of Liabilities 
We offer loss reserve analysis and statements of actuarial opinion to assist clients in establishing proper liabilities for their financial statements. For each project, our consultants take into account socio-economic trends, operational changes, and legislative reform that may impact the reserves.

Pricing and Funding Support –
We assist insurance companies in determining fair and reasonable prices for their products and develop loss forecasts for self-insured organizations to use in the planning and budgeting process. Our team has experience with filing rates in almost every jurisdiction and has worked with self-insured entities from a variety of industries.

Reinsurance and Retention Analysis –
Our analysis of loss activity by layer can prove invaluable to insurers making decisions about reinsurance programs and to self-insured organizations deciding on appropriate retention levels. We rely on both company-specific and industry loss experience to estimate expected costs.

Benchmarking –
Having access to a wide range of insurance industry statistics allows us to compare client’s expenses, losses, and other claim statistics to broader industry standards. Benchmarking studies can highlight areas for improvement and assist companies in developing future risk management strategies.

Other Services –

  • Expert Testimony and Litigation-Related Consulting
  • Cash Flow and Net Present Value Analysis
  • Premium and Loss Allocation Models
  • Market Research & Competitive Analysis
Industries Served

We offer actuarial services to a variety of groups including:


Self-Insured Organizations –
Inform provides a full range of actuarial services to self-insured organizations such as corporations, private companies, healthcare facilities, and governmental entities. Having served numerous self-insured clients while working in the brokerage industry, Inform’s consultants have developed specific reports that address the unique requirements of these organizations. From accruals and allocation models, to retention analysis and funding projections, the actuaries at Inform have the knowledge and experience to meet all your actuarial needs.

Insurance Companies –
The consultants at Inform Actuarial Consulting have backgrounds in personal lines, commercial lines, and reinsurance. In addition to the traditional actuarial tasks of pricing and reserving, Inform can assist insurers with market research, competitive analysis, and reinsurance program design. The actuaries at Inform meet the NAIC’s qualification standards for issuing Statements of Actuarial Opinion, and have also filed rates for various lines of insurance in almost every jurisdiction.

Captives and Risk Retention Groups –
Inform’s team of consultants has assisted several companies in the formation and administration of captives and risk retention groups. We supply potential captives or risk retention groups with loss forecasts prior to formation, and offer loss reserve studies and reserve opinions once the entity has started writing business. Our actuaries meet the requirements necessary to evaluate reserves in all major captive domiciles.

Brokers –
Having worked in the Risk Management department of a large national broker, the Inform team understands the tools brokers need to attract and retain large national accounts. Our consultants provide expertise with loss forecasting, retention analysis, collateral analysis, benchmarking studies, and cash flow modeling. Whether you choose to work with us on a project basis, or seek our assistance in developing your own proprietary models, we deliver solutions to help you stay ahead of the competition.

Accounting Firms –
When reviewing the financial statements of insurance company and self-insured clients, auditors frequently require the services of actuaries to examine premium and loss reserves. Inform has worked with the Big Four and several other accounting firms during the audit process to assist in these evaluations. Our reports contain considerable documentation and are explained in plain English so the audit team can be assured liabilities have been established using generally accepted actuarial principles.

Insurance Departments –
Regulators seek sound, objective advice to evaluate companies doing business in their state. Inform provides state insurance departments with loss reserve analysis in conjunction with the financial examination process and rate reviews as part of the state’s regulation of rates. If needed, the actuaries at Inform can also deliver expert testimony to support insurance departments in either of these two areas.

Mergers and Acquisitions –
Inform’s actuaries have worked with several large private equity groups and other companies to provide insight during the due diligence phase for mergers and acquisitions. Our evaluation of liabilities plays a critical role in determining the value of insurance companies and other organizations that retain significant loss reserves. We know that timing is critical for potential mergers or acquisitions, and tailor our services to meet the specific time constraints of each deal.

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