FCAS, MAAA, CPCU, ARM, ARe
Principal and Consulting Actuary

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Arthur R. Randolph II

Arthur Randolph is a principal and consulting actuary with Pinnacle Actuarial Resources managing the firm’s Atlanta, Georgia, office. He has been in the insurance industry since 1998 and has been consulting since 2001. Art’s consulting career has focused on medical professional liability (MPL), homeowners, commercial property, workers’ compensation (WC), commercial and personal automobile, general liability, commercial multiple peril and title exposures.

Art provides actuarial consulting services to property and casualty (re)insurers, self-insured entities, risk retention groups and captive insurers. His core services include reserving, ratemaking, risk transfer testing, funding allocations, and developing experience and retrospective rating plans.

Art is a member of the American Academy of Actuaries (AAA) P/C Extreme Events and Property Lines Committee, the AAA Workers’ Compensation Committee, the Casualty Actuarial Society (CAS) Finance Committee and the Alabama Actuarial Council; he is a former member of the AAA Medical Professional Liability Committee. Art is actively involved with Association of Government Risk Pools (AGRiP), California Association of Joint Powers Authorities (CAJPA), Captive Insurance Companies Association (CICA), CPCU Society, Florida Chamber of Commerce, Insurance Accounting and Systems Association (IASA), International Association of Black Actuaries (IABA) and MPL Association.

Publications and Media

November APEX Webinar
State of the Florida Homeowners Market
Authored by Derek W. Freihaut and Arthur R. Randolph II.

September APEX Webinar
A “Historic” Year. Title Insurance: State of the Market in 2021
Authored by Arthur R. Randolph II and Christopher J. Schubert.

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Case Studies

Captive Dividend Assessment

Captive Dividend Assessment

An onshore, single parent captive was concerned with the amount of retained earnings and wanted to establish a policy for the minimum capital for the program to trigger dividend distributions. Pinnacle compared the program’s capitalization to a wide variety of industry standards for similar programs from rating agencies, regulators, and other sources. The results of this analysis lead to a recommended board policy regarding a minimum capital threshold for dividend distributions and ultimately to a significant dividend being declared to the parent company.

Liquidation - Workers Compensation

Liquidation - Workers Compensation

Pinnacle was retained by the liquidator of a monoline workers' compensation carrier to estimate outstanding liabilities and provide expert testimony in support of the loss reserve estimation.

Retention Analysis

Retention Analysis

Pinnacle was asked by a large self-insured regional transportation authority to assess the impact of increasing their self-insured retentions for both workers compensation and automobile liability. We developed a stochastic simulation analysis, based on the program’s historical claims experience and industry benchmarks, that examined not only the increase in expected losses but the program’s additional potential loss variability. Finally, we discussed with the customer the relationship between their current capital position, as well as the current reinsurance market, to ensure the retention they selected for their program was appropriate for them. The authority ultimately increased their retentions, put some of their excess capital to work, and realized substantial savings in their reinsurance costs.

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