For buyers hoping to optimize the value of a coverage, Pinnacle can analyze your organization’s risk retention levels, comparing costs between coverage options and evaluating the risk being transferred before and after the transaction.

For sellers seeking a reasonable return on the assumption of risk, our reinsurance pricing model, reserve analysis and capital allocation modeling provide invaluable support to your underwriters. And as you strive to maintain a high-quality and profitable book of business, our experienced consultants can provide the underwriting, product management and auditing support you need.

If you’re an intermediary who wants your clients to be comfortable with the value of their transaction, we can independently review the relative value of competing options. We’ll also conduct risk transfer analyses  essential features in documenting the effectiveness of individual reinsurance contracts, and a service we routinely provide for a variety of audiences, including auditors.

Pinnacle consultants have a tremendous breadth of reinsurance experience. From reinsurance pricing and reserving, to reinsurance underwriting and catastrophe modeling applications, we always strive to learn about your unique business operations and apply our expertise to provide solutions you need.


Pinnacle serves a wide range of reinsurance customers, including:

Primary Companies  We can help primary companies, including insurance companies, alternative market insurers and self-insured organizations, to optimize reinsurance purchases, evaluate retained risk, review catastrophe exposure and develop reinsurance underwriting submissions.

Reinsurance Companies  We provide loss reserving, latent mass tort loss reserving, reinsurance underwriting, audit support and reinsurance pricing for a large variety of reinsurance companies.

Brokers  We assist brokers by helping their clients optimize reinsurance purchases, evaluate retained risk, review catastrophe exposure and develop their reinsurance underwriting submissions.

Auditors  Pinnacle provides a complete suite of actuarial support required to complete an audit, such as reviewing a company’s held reserves, providing a second opinion on the held reserves or assisting in the determination of risk transfer in reinsurance contracts.

Regulators  We offer the actuarial support required to complete a regulatory review of an insurance company, including reviewing a company’s held reserves, providing a second opinion on the held reserves or assisting in the determination of risk transfer in reinsurance contracts.

Government Funds  We can assist you in understanding your potential assessments for residual market pools.

Domestic Companies  Pinnacle provides a number of Statements of Actuarial Opinion (SAOs) for reinsurers and primary companies with significant assumed business. We can also assist companies in providing the necessary support to regulatory authorities required in collateral negotiations, commutations or loss portfolio transfers, and reinsurance risk transfer analyses.

Offshore Companies  Bringing extensive experience with companies in a number of offshore locations, we are a designated “loss reserves specialist” in Bermuda for Bermuda clients, and provide reinsurance reserve analysis for the Cayman and other Caribbean-island-based companies. Beyond our regular actuarial services, we can model capital requirements based upon the regulations of local insurance authorities.

Property Lines  Our consultants have knowledge of the various perils impacting property exposures, such as wind, wildland fires, terrorism or mold. Further, our experience includes a strong understanding of property coverages that increase losses, including business interruption and time elements exposures.

Casualty Lines  Our experience includes a number of significant casualty lines, including workers' compensation, general liability, medical malpractice and other professional lines of business. We also have significant experience with specific exposures, such as asbestos, environmental, construction defect and other latent mass torts.

Underwriting  Pinnacle consultants have deep and wide experience in various insurance functions, including reinsurance and primary company actuaries, underwriters and product mangers. We also provide support to primary companies in developing their reinsurance underwriting submissions. In addition, we can provide reinsurance underwriting audit support, which can include a review of ceding companies' adherence to contract provisions or a review of data quality submitted to the reinsurer.

Reinsurance Services

  • Arbitration
    Many of our consultants are experienced as expert witnesses in arbitrations, and are ARIAS-certified arbitrators.
  • Catastrophe Exposure Management
    Pinnacle can assist you in controlling your property catastrophe exposure by determining the impact of policy changes, including deductibles or reviewing geographic areas where exposures are driving your reinsurance purchases.
  • Collateral Negotiations
    Pinnacle provides loss reserve analyses and other diagnostics in support of collateral negotiations associated with deductible and/or self-insured retentions.
  • Loss Portfolio Transfer
    Pinnacle represents the interests of both buyers and sellers of blocks of business, providing independent evaluations of a program’s indicated unpaid claims liabilities, often reflecting provisions for the time value of money (i.e., discounting) and uncertainty (risk margins).
  • Loss Reserve Analyses
    Pinnacle helps a diverse range of customers establish a reasonable accrual for unpaid loss and loss adjustment expense obligations.

Reinsurance Industries

Pinnacle’s experts understand the rapidly changing health care services environment. We have provided actuarial consulting services in every aspect of medical professional liability insurance at the local, state and national levels.
Our expertise applies to a broad range of agricultural areas, supporting the ever-evolving agricultural economy.
Contractors understand how insurance costs can adversely affect their ability to remain in business. We serve the entire spectrum of risks from heavy civil exposure to general contractors to artisan contractors. The exposure to liability and workers compensation risk is challenging but the manner in which such costs can be measured and controlled is where Pinnacle adds considerable value.
Our focus is to quantify the expected ultimate costs of insurers' transportation claims liabilities and reflect the unique characteristics of risk exposures.
Pinnacle understands that manufacturers face numerous liability exposures, from workers' compensation to auto, and many more. We help manufacturers manage exposures in the highly variegated manufacturing industry.

Who We Serve in Reinsurance

Our expertise in providing audit support includes traditional insurance companies, reinsurers, risk retention groups and a wide variety of captive insurance companies. We are regularly called on to provide audit support for insurance, alternative markets and self-insurance operations.
Pinnacle has expertise in many lines of coverage, alternative risk transfer structures, regulatory jurisdictions and industry niches. Our team of experienced consultants understand the needs of captive managers, and bring local knowledge unique to individual market segments.
We have specific expertise in programs that protect the public welfare, such as petroleum storage tank pollution coverage or programs for infants with birth-related injuries.
Whether you need to develop an enterprise risk management program, identify best practices for your industry or procure expert insight and analysis for a broad range of projects, our team of experts are focused on doing whatever it takes to exceed your expectations, time and time again.
Pinnacle provides a variety of services to insurance regulators. Services include financial exams including risk-focused examinations, rate filing reviews and model reviews. Pinnacle has also assisted regulators with captive applications reviews, training, and legislative costing.

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