Carriers & MGAs

Actuarial Strategy & P&L Optimization

Insurance Carrier & MGA Advisor

Maximize your underwriting margin with technical excellence.

In an environment of social inflation, evolving catastrophes, and shifting regulatory landscapes, "good enough" actuarial practices are a liability. We provide the technical depth and executive foresight required to protect your P&L and drive sustainable growth.

The Strategic Edge

Turn actuarial science into a competitive advantage

Whether you are a legacy carrier launching a Middle Market division or an MGA scaling a niche book, your success depends on the accuracy of your loss expectations. We provide more than just reports; we provide a data-driven operational framework that turns actuarial science into a competitive advantage.

Core Capabilities for Carriers & MGAs

Technical depth. Executive clarity. Measurable profitability.

Actuarial Pricing & Profitability Management

Beyond standard indications—holistic portfolio health and actionable steering.

  • Technical Pricing Execution: Sophisticated pricing tools and proprietary rating plans
  • Loss Ratio Evaluation: Plan loss ratio analysis, trend evaluation, and competitor research.
  • Profitability Deep-Dives: Monthly management reporting with actionable KPIs and quarterly segment deep-dives.

Reserving & Claims Analytics

Protect the balance sheet with precise assumptions and early warning indicators.

  • Actuarial Inputs: Establishing key assumptions to ensure adequate booking.
  • Data Capture Architecture: Requirements for robust capture to improve predictive capability.
  • Claims Analytics: Analyzing claims data to create benchmarks and identify early warning signs of frequency spikes or severity shifts.

Regulatory Governance & Speed-to-Market

Navigate DOI complexity with an expert in your corner.

  • Rate Filing Management: End-to-end filings—from indication through DOI objections.
  • Paper Company Governance: Ensure rate changes support business objectives with minimal disruption.
  • ISO/Bureau Adoption: Analyzing the operational impact of ISO/Bureau adoptions/changes on your specific lines of business.

Technical Integration Expertise

We don't operate in a vacuum. We ensure our actuarial strategies are embedded in your technology:

  • Policy Administration System implementation support.
  • Custom Rating Engine development and vendor management.
  • UW Workbench and Data Warehouse consulting.
Global Perspective, Local Precision

Experience across markets and lines

With leadership experience across the US, Canada, Bermuda, and Europe, Matthew Duke brings a global perspective to local risk. From Personal Lines to Small Commercial and Middle Market Lines of business, our expertise covers the full spectrum of the insurance lifecycle.

The Duke’s Insight

Profitability is found in the details.

"Profitability is not found in the aggregate; it is found in the details. By aligning your pricing & data strategy with your underwriting intent, we ensure that your pricing reflects the true cost of risk."

Secure Your Competitive Advantage

Is your pricing strategy keeping pace with the market? Let’s quantify your opportunities for improvement.