FCASCredentialed Actuary
25+Years Experience
8P&C Lines
$ Flexible Pricing
FCAS · P&C Actuarial Consulting

Senior actuarial counsel
for the carriers, captives
& programs that need it most.

Coastal Carolina Actuarial Consulting partners with insurance organizations that don't carry full-time credentialed actuarial staff, bringing twenty-five plus years of P&C experience to pricing, reserving, and planning, and the conversations that follow.

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Workers Compensation   Commercial Property   General Liability   Personal Auto   Homeowners   Commercial Auto   Professional Liability   Cyber Insurance Workers Compensation   Commercial Property   General Liability   Personal Auto   Homeowners   Commercial Auto   Professional Liability   Cyber Insurance
The Practice

A specialty P&C consulting practice for organizations that need a credentialed actuary without the overhead of one.

What We Do

Broad expertise across P&C actuarial work,
delivered as one practice.

Each engagement runs from intake through final memo with the same credentialed actuary. No layered teams, no junior hand-offs, no learning curve passed back to the client.

01 / Pricing

Pricing Analysis

Rate adequacy, loss development and trend, XL layer pricing, and multi-line quota share models across multiple P&C lines of business.

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02 / Reserves

Reserving & SAO

Independent reserve reviews, Statement of Actuarial Opinion, and Actuarial Report services for statutory annual filings.

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03 / Planning

Planning & Forecasting

Multi-line profitability exhibits factoring complex reinsurance terms, built originally for a former CEO's forward-view planning.

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04 / Reinsurance

Reinsurance Modeling

Quota share and XL treaty pricing from primary, reinsurer, and broker perspectives, built on extensive hands-on placement experience.

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05 / Peer Review

Peer Review

Independent review of actuarial work product for other consulting actuaries before client or regulator distribution.

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06 / Advisory

Executive Advisory

Plain-language translation of actuarial findings for CEOs, CFOs, and boards. A hallmark of the practice, not an afterthought.

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Workers Compensation
99
Personal Auto
98
General Liability
96
Homeowners
95
Commercial Auto
94
Commercial Property
93
Professional Liability
78
Cyber Insurance
65
Lines of Business

Twenty-five years of judgment, line by line.

Depth bars indicate cumulative engagement weight across the practice's history, from extensive Workers Comp and Personal Auto experience to growing specialty work in Professional Liability and Cyber.

P&C Only · No Life · No Health
From a Former CEO
Your analysis and work through the years helped make the company financially stable.
Former CEO, Specialty P&C Carrier
In Their Words
I had the pleasure of working with Dave Horn for five years at a specialty programs insurer. I managed program development, underwriting and production. Dave led the team providing my group with analytical support for pricing, rate filings and ad hoc financial analysis. Over my career, I have observed that actuaries and ‘the business’ often seem to speak different languages and struggle to achieve a meeting of the minds. I never found that to be the case with Dave. Dave’s great gift is his ability to clearly explain his actuarial process, analysis and conclusions to ‘the business’ in terms that are understandable to non-actuaries. Dave also excels at building analytical tools for use by underwriters and business development staff to help guide them in making smarter fact-based business decisions. In short, Dave is an actuary who ‘gets the business’, and I highly recommend him.
SVP, Head of Programs
Dave is an exceptional actuarial leader with deep expertise in both pricing and reserving. He brings a rare combination of technical strength, professionalism, and practical business judgment to every challenge. His work is always thoughtful, detailed, objective, and grounded in integrity, making him a trusted advisor and respected leader across organizations.
SVP, Chief Actuary and Corporate Secretary
Sound numbers, told plainly, give leadership the room to make good decisions.
The CCAC Practice Philosophy
Who We Serve

Six kinds of organizations,
one common need.

The practice is built for the specialty and smaller market: carriers, programs, and risk-takers that need credentialed actuarial work on the cadence that fits their operation, not on a full-time payroll.

01

Insurance Carriers

Smaller primary writers · SAO, pricing, reserving

 02

Fronting Companies

Program business · MGA-backed · SAO for fronted programs

 03

Risk Retention Groups

Statutory SAO · Domicile filings

 04

Captive Insurers

Single-parent & group · Feasibility & reserve opinions

 05

MGAs & Programs

Pricing without the carrier overhead

 06

Reinsurers & Brokers

Treaty pricing · XL & quota share · Reinsurance captives
Why CCAC

Built for the work,
sized for the client.

Four commitments shape every engagement, from the first scoping call to the final delivered memo.

i.

You always work with the credentialed actuary.

No junior hand-offs, no rotating account managers, no relearning your business each quarter. The FCAS who scopes the work delivers the work.

ii.

Complex analysis, delivered in plain language.

Findings translated for CEOs, CFOs, and boards, so the people accountable for the numbers actually understand the numbers.

iii.

Right-sized, flexible engagements.

Hourly or fixed-fee. No retainers, no minimums, no annual commitments. The work scales to fit the question on the table.

iv.

Built for the specialty market.

Fronting carriers, RRGs, captives, MGAs, and program managers: operations that need senior actuarial work on a cadence that matches their structure.

Begin a Conversation

An hour with the actuary is often enough to scope the work.

Most engagements start with a call. No retainer, no commitment, just a conversation about what's on your desk and whether CCAC is the right fit.

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