Delivered an excellent product and on time, even with additional information provided after the project was initiated.

— Vincent Hudson
StaffChex, Inc.




As a staffing concern, there are any number of situations that can have an impact on your business. For example, prevailing economic conditions can affect liability forecasting. Payroll projections can be volatile for your company as a whole or regionally. Business can shift between different industries, such as from light-industrial to clerical.

Your marketing philosophy during times of economic distress also affects the levels of risk you may experience. Some companies are cognizant of risk factors with expansion and do so methodologically, without much change to their loss experience. Other entities may seek to expand their business and will take on riskier initiatives. It’s important to adjust forecasting methodology based on these philosophies.

Our clients are among the leaders of the staffing industry, and we’re experts in analyzing each program’s unique characteristics — from single parent captive liabilities to large self-insured retention liabilities. We blend information such as third party administrator, broker or an aggressive risk control program characteristics to customize expert solutions that address your specific challenges.

At Pinnacle, we build a model specific to your unique situation and provide further analysis to evaluate collateral, analyze company-level loss development, project future cash flow, recommend funding levels for future negotiations with insurance companies and more. When you partner with Pinnacle, you gain the leading edge expertise, superior communication, extraordinary customer service and insight you need to achieve your goals.

Publications and Media

Pinnacle Captive and Alternative Markets Brochure
Pinnacle has a dedicated staff of consultants and actuarial analysts focused on serving the alternative markets.

Pinnacle Commitment Beyond Numbers Brochure
Empathetic Customer Service, Superior Communication, Expertise, Better Business Decisions

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Case Studies

Cayman Captive
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Cayman Captive

Pinnacle serves many of the largest group captives in the world, many of them domiciled in the Cayman Islands. These reserve analyses are typically produced twice a year and serve multiple purposes. First, they provide a range of reasonable estimates which management uses to determine their best estimate of ultimate losses and unpaid claims liabilities. Second, these reserve estimates can then be allocated to individual members to determine the outstanding liabilities and potential future assessments, if any. Finally, the allocated ultimate losses become the basis for renewal pricing estimates for each member. Pinnacle’s approach to estimating and allocating reserves in group captives is unique in the industry and sets our alternative practice apart with its efficiency and accuracy.

Staffing Self Insured Reserve Analysis
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Staffing Self Insured Reserve Analysis

Pinnacle was retained by a group of staffing companies with large self-insured retentions for their workers compensation loss exposures to perform quarterly loss reserve analyses and annual funding studies. Pinnacle initially used customized benchmarks for the staffing as the basis for our analyses. However, it became apparent that the benchmarks were not reflective of the unique characteristics of this program. Pinnacle worked with the third party administrator (TPA) for the program to gather additional historical experience for the program, as well as consolidated experience for several similar programs administered by the TPA. Using the results of our analysis of the TPA’s previous experience for this program and others like it, we were able to develop benchmark loss development assumptions that tracked much more closely with the program’s actual loss emergence.

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