Property and Casualty Actuarial Services

Easy-to-Understand Analyses, Customized for You

Understanding your organization’s key financial results can help you properly manage risk. Our actuaries can help you quantify those results with thorough financial analysis and explain them to you in easy-to-understand language.

  • Reserve analyses of outstanding claim and expense liabilities, including incurred but not reported (IBNR) reserves
  • Funding studies of projected cash flows and ultimate claim costs, including rates for budgeting purposes
  • Cost allocation studies and x-mod studies to apportion premiums appropriately by department or member
  • Target surplus analysis to estimate an appropriate range of surplus targets to support the insurance program
  • Feasibility Studies for establishing new self-insurance programs and captive insurance programs
  • Benchmarking studies of historical trends in program costs and comparisons to industry peer groups
  • Self-insured retention (SIR) studies and evaluations of excess and reinsurance cost proposals
  • Dividend analyses, member equity studies, loss control ROI estimation, and other risk measurement indicators.

Our actuarial consultants are expert in workers’ compensation, liability, medical malpractice, and property insurance programs and are ready to help you manage your financial risk related to those programs.

Our Expertise, by the Numbers:



Fellows of the Casualty Actuarial Society (FCAS)

Associates of the Casualty Actuarial Society (ACAS)

Actuarial Analysts

Administrative Staff

Over the last 5 years, Bickmore Actuarial has produced over 5,000 actuarial reports for various public agencies and private companies across more than 28 states.