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A practice shaped by twenty-nine years of doing the work.

Built to bring senior P&C actuarial counsel to organizations that need it on a cadence that fits, not as a fixed payroll line.

Portrait of the founder of Coastal Carolina Actuarial Consulting
The Story

Twenty-nine years of P&C work, collected into a single practice.

Coastal Carolina Actuarial Consulting was founded on a straightforward observation: most carriers, captives, and programs in the specialty market need credentialed actuarial work on a quarterly or annual cadence, not a full-time payroll line.

The practice grew out of twenty-nine years of work spanning primary carriers, fronting structures, reinsurers, and captives, across all nine active P&C lines of business. Workers Compensation and Personal Auto sit at the deep end of the experience curve; Cyber and Professional Liability at the newer end. Every line has been priced, reserved, opined, or modeled at some point along the way. Dave began his career at Ohio Casualty (1997 to 1999), then Selective Insurance (1999 to 2004) and The Hartford (2004 to 2005), before building the actuarial function at Key Risk.

What CCAC offers is the same credentialed actuary delivering the same caliber of work on a smaller, more flexible engagement footprint. No retainers. No minimums. No layered teams. The actuary who scopes the engagement is the actuary who delivers it.

The practice serves the specialty and smaller-carrier market specifically, where senior actuaries are scarce, junior staffing dominates, and minimum engagement sizes outpace most program operations.

As the practice grows, credentialed actuaries interested in collaborating are welcome to reach out.

The CCAC Practice
Reinsurance Collateral

The collateral years

From 2024 to 2026, Dave led actuarial at Clear Blue Insurance Group through the aftermath of the Vesttoo collateral collapse. With a $1.9B, 28-MGA platform exposed, he assessed the company's Vesttoo-related reinsurance exposure every quarter and presented it directly to the board. Most consultants have never done this work, because evaluating collateral quality and reinsurance recoverables was never in their scope. Buyers are asking about it now.

Differentiators

Four things that do not change from engagement to engagement.

i.

You always work with the credentialed actuary.

No junior hand-offs. No rotating account managers. The FCAS who scopes the engagement runs it from intake through final delivery, and is the person you speak to when the regulator follows up six months later.

ii.

Complex analysis, delivered in plain language.

Findings translated for CEOs, CFOs, and boards, so the people accountable for the numbers actually understand what's driving them. This is a hallmark of the practice, not an afterthought.

iii.

Right-sized, flexible engagements.

Hourly or fixed-fee. No retainers, no minimums, no annual commitments. The engagement scales to fit the question on the table, whether that's a single peer review or a year-round appointed-actuary relationship.

iv.

Built for the specialty and smaller market.

Fronting carriers, RRGs, captives, MGAs, program managers: operations that need senior actuarial work on a cadence that matches their structure, and a working relationship that doesn't require navigating three layers of consulting overhead.

Your analysis and work through the years helped make the company financially stable.
Terry McCafferty, Former CEO
Credentials

FCAS. MAAA. CAS member. Twenty-nine years in P&C, by the line.

Credentialing, professional standing, and the lines of business that constitute the working portfolio of the practice.

FCAS

Fellow of the Casualty Actuarial Society

The senior credential of the P&C actuarial profession. Held in good standing.

MAAA

Member, American Academy of Actuaries

The U.S. actuarial profession's qualification and standards body. Membership underpins the authority to issue Statements of Actuarial Opinion.

CAS

Casualty Actuarial Society Member

Continuing education and professional standards compliance maintained annually.

SAO

Qualified to Issue Statements of Actuarial Opinion

Across statutory annual statement filings for primary carriers, RRGs, captives, and fronting companies in multiple domicile states.

29

Years of Direct P&C Practice

Carrier, reinsurer, broker, and consulting roles preceding the founding of CCAC. P&C exclusive. No Life, no Health.

9

Lines of Business in Active Practice

Expertise across multiple personal and commercial lines: WC · Comm Property · GL · Personal Auto · Homeowners · Comm Auto · Pro Liab · Cyber · Aviation.

XL

Primary & Excess-of-Loss

Hands-on experience in both primary and excess-of-loss pricing and reserving.

Continuity of Service

Your engagement doesn't depend on one person.

Coastal Carolina Actuarial Consulting maintains controlled, reliable access to all critical operational files to ensure continuity of service during any system disruption. Core documents and data assets are stored in secure, permission-managed environments with redundancy across multiple platforms. Access is strictly controlled and limited to authorized personnel, preserving both security and reliability.

If Dave Horn is unavailable, client engagements continue without interruption. Coastal Carolina Actuarial Consulting has an agreement with a credentialed actuary at a prominent actuarial consulting company to ensure coverage of actuarial and peer review services. The credentialed actuary is qualified to sign Statements of Actuarial Opinion; the arrangement is engagement-specific and does not transfer the client relationship. More information is available upon request.

Begin a Conversation

Twenty-nine years of P&C judgment, on the cadence you need.

Most engagements start with a call. No retainer, no commitment, just a conversation about what's on your desk.

Schedule a Conversation