State Insurance Departments

M&A has extensive experience with the review of rate, rule and form filings for state insurance departments. M&A has reviewed over 1,000 filings in the past three years and independently documents each in review letters or reports. For these clients, we offer the following services:

Rate Filing Reviews of Insurance Companies and Advisory Organizations

• Expected Losses
• Expenses
• Taxes
• WC Benefit/Law changes
• Class plans
• Trend (exposure and loss)
• Catastrophe provisions (historical and simulation models)
• Rate of Return (investment income, profit provision and contingencies)
• Reinsurance
• Dividend policy
• Experience and schedule rating plans
• Public Policy issues, such as forced placed insurance rates
• In depth analysis of ISO and NCCI

Litigation Support and Expert Testimony

• Expert testimony in rate and examination hearings
• Pre-hearing testimony related to formal hearings
• Expert witness assistance

Risk Based Capital Analysis

Regulatory and Compliance Consulting

Assisting State Insurance Departments on Public Policy Issues

• Forced Placed Insurance
• Credit Scoring
• Residual Markets

Liquidation/Rehabilitation Assistance

Insurance Examinations

• Financial examination assistance
• Fluent with the TeamMate auditing software

other services:

Insurance Companies

Alternative Risk Transfer Programs

Traditional Insurance Programs

Reinsurance