Merlinos & Associates Contact

Summary

Merlinos & Associates is a leading actuarial consulting firm providing expert insurance and risk advice to insurers/reinsurers, regulators, captives, risk retention groups, law firms, audit firms, brokers and more.

Location: Peachtree Corners, GA, United States

Types of Insurance Return to search result

Captives and Rent-a-Captives:

  • Actuarial Services

Self-Insured Workers Compensation (USA):

  • Actuarial Services

Program Business:

  • Actuarial Services

Risk Retention Groups (USA):

  • Actuarial Services

Mutual Insurance Companies:

  • Actuarial Services

Self-Insured Retentions (Liability):

  • Actuarial Services

Employee Benefit Trusts:

  • Actuarial Services

Company Details

Overview -- We have extensive, recent experience with a wide variety of alternative risk transfer methods of self-insurance. In the past decade, we have assisted in the formation and operation of more than 200 alternative risk transfer mechanisms, including captives, risk retention groups, self-insurance funds, and workers’ compensation trusts.  

  • Our work has occurred in various alternative risk venues including Alabama, Anguilla, Arizona, Barbados, Bermuda, Cayman Islands, Delaware, Hawaii, Kentucky, Nevada, North Carolina, South Carolina, Tennessee, Turks & Caicos Islands, Utah, Vermont, and Washington DC. 

Feasibility Studies -- Our role for our alternative risk clients has frequently included performing feasibility studies. These feasibility studies have generally involved: 

  • Projecting the historical claims costs for the parent and comparing the projections to benchmark rates charged in the competitive market.
  • Providing recommendations related to excess insurance/reinsurance structures, limits, retentions and coinsurance percentages. 

Ongoing Consulting Services -- We have extensive experience providing services to alternative risk transfer entities on an ongoing basis. This work includes: 

  • Preparation of loss cost studies for the applicable exposures and proposed coverages.
  • Development of rates, rate structures and rating rules, including experience rating and retrospective rating plans where applicable.
  • Preparation of financial projections based on the proposed rates, budgeted expenses and anticipated claims under various confidence level scenarios.
  • Assistance with decisions related to the appropriate level of capitalization.
  • Preparation of actuarial information for reinsurance submissions.
  • Negotiating with reinsurers, participation at steering committee meetings.
  • Assistance with development of risk management protocols.
  • Assistance with developing management information, and underwriting of large accounts.
  • Market studies of overall rate levels and rate factors charged by traditional insurers.