Amy Hoffman
    Consulting Actuary
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    Healthcare Analytics, a division of Gallagher Benefit Services, Inc., understands that P/C actuarial services and the sound management and administration of risk management and insurance programs are vital to an organization's success.

    Our property/casualty actuarial services provides a wide range of expertise that covers the spectrum of actuarial consulting, from new products, existing programs and individual accounts to pools and association programs. We analyze all coverages, including Workers Compensation, General, Auto and Professional Liability (Errors & Omissions, School Board Legal, Public Officials, Law Enforcement and Employment Practices).

    Our range of services include:

    Loss Reserve (IBNR) AnalysesAn estimate of required reserves for historical years with retained losses, prepared for financial statement reporting.
    Determination of Funding Requirements within Self-Insured RetentionsImportant in the budgeting process for self-insured clients.
    Retention AnalysesEvaluate whether it is advantageous to increase (or decrease) one's retention by comparing the expected increase in losses to premium saved.
    Cash Flow AnalysesThe payout of projected losses can be estimated by year, and the present value of the losses at various discount rates can be provided.
    Loss Projections for Excess Layers of InsuranceAssist in the evaluation of excess insurance quotes Actual versus Projected.
    Expected Emergence AnalysesCompare loss activity expected during a specific time period to the actual, giving an early indication of adverse development.
    Other ServicesExpected Emergence Analyses
    Our Difference 
    • We have a small, dedicated staff of actuaries who provide consistent and high-quality service.
    • We respond quickly to your needs.
    • Our studies are concise, informative, and easy to understand.
    • Our actuaries maintain a significant amount of data for religious and public entities.
    • Our actuaries possess a vast array of industry knowledge.

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