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The carriers, captives, and programs built for this work.

Six kinds of organizations, each with a different statutory profile, each needing senior actuarial support without the infrastructure of an in-house team.

01 / Carriers
Insurance Carriers

Smaller primary P&C writers, without a credentialed actuary on payroll.

For primary P&C carriers operating below the scale that justifies a full-time chief actuary, CCAC fills the gap. Engagements typically combine reserve work, SAO production, and ongoing pricing analysis on a recurring quarterly or annual cadence.

Common Engagements
  • Statement of Actuarial Opinion for annual statement filings
  • Independent reserve reviews and IBNR analysis
  • Rate filing support and indicated rate change analyses
  • Multi-line forward profitability planning
02 / Fronting
Fronting Companies

Program business, MGA-backed, with statutory needs that don't slow down.

Fronting carriers run dozens of MGA-backed programs simultaneously, each with its own reserve and pricing profile. CCAC supports SAO production for fronted programs, treaty pricing, and the program-level analysis that keeps capital partners and reinsurers on the same page.

Common Engagements
  • SAO for fronted programs across multiple MGAs
  • Treaty pricing for quota share placements
  • Program-level reserve and profitability analysis
  • Capacity and capital advisory for new program launches
03 / RRGs
Risk Retention Groups

Statutory SAO. Domicile state filings. The opinion that signs.

Risk Retention Groups carry the same statutory opinion requirements as admitted carriers, often with leaner internal staff. CCAC serves as appointed actuary for RRGs across multiple domicile states, producing the SAO, supporting documentation, and the ongoing reserve review behind it.

Common Engagements
  • Appointed Actuary engagement for annual SAO
  • Domicile state filing support and regulator response
  • Reserve review and IBNR analysis by line
  • Member dividend and assessment analysis
04 / Captives
Captive Insurers

Single-parent and group structures, from feasibility through the annual opinion.

From new-formation feasibility studies through annual reserve opinions, CCAC supports the full captive lifecycle. Engagements span single-parent, group, and association captives, including reinsurance captives that participate in their parents' treaty placements.

Common Engagements
  • Captive feasibility analyses and pro forma modeling
  • Reserve opinions and statutory filings
  • Loss fund pricing and contribution analysis
  • Reinsurance captive structuring and treaty pricing
05 / MGAs
MGAs & Program Managers

Program pricing without the carrier-scale overhead.

MGAs and program managers often need credentialed actuarial work to support carrier negotiations, capacity placements, and program performance reviews, but rarely at the volume that justifies an in-house actuary. CCAC supplies that work on a hourly or fixed-fee basis as needs arise.

Common Engagements
  • Program pricing analysis and rate adequacy reviews
  • Capacity carrier and reinsurer support material
  • Loss ratio and profit commission modeling
  • Performance review and remediation analysis
06 / Reinsurance
Reinsurers & Brokers

Treaty pricing: XL, quota share, and the captive structures behind them.

For reinsurers and reinsurance intermediaries, CCAC delivers treaty pricing from the perspective that fits the seat at the table (primary, reinsurer, or broker), drawing on extensive hands-on placement experience across both proportional and excess structures.

Common Engagements
  • Quota share treaty pricing and commission structuring
  • Excess-of-loss layer pricing: experience and exposure rating
  • Broker-side pricing support for placements and renewals
  • Reinsurance captive and segregated cell modeling
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If your organization sits in any of the six, the practice is built for you.

Hourly or fixed-fee engagements. No retainers. The first call is the scope call.

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