About Us

Founded in 2023, we are an early start up Actuarial P&C pricing consultancy based out of Toronto, Canada.

We support small Property & Casualty insurers in small and underserved markets globally.

Our focus is exclusively on Actuarial P&C pricing, centered around three core pillars:

Actuarial Logic for Rating Engines

Build end-to-end rating framework and algorithms to power your premium volume

Predictive Modelling to refine risk pricing

Customized state-of-the art models to predict enhance competitveness and limit mis-pricing risk.

Analytics & Decision Systems

Turn pricing outputs into actionable underwriting and portfolio decision support tools.

We also offer advanced pricing tools. Inquire for more info.

What we are not:We do not build policy systems, databases, or cloud infrastructure. We build the actuarial intelligence that anchors your underwriting profitability. We help you take control of and own your pricing and profitability journey.

Our Mission is to bring sophisticated actuarial pricing techniques to your fingertips, and help you establish a modern & competitive rating framework to support the growth of your business.

Staff: Mix of qualified actuaries with deep expertise, quants, and students

Where We Fit In

Client & Underwriting
Risk information is collected, structured, and validated.
Actuarial Intelligence
Rating Engine
Risk Models
Analytics & Pricing Decisions
Portfolio decisions, pricing strategy, and profitability analysis.

How We Do It

We spend as much time as we need to fully understand all elements and aspects of your current state. We do this by getting to know you and your business and asking questions to help build a comprehensive and complete picture of your pricing capability, your potential, and if/how we can assist. This could be about subjects related to data, methods, systems, processes, internal talent, and more. This is a crucial step because it will reveal any outstanding benefits that could be achieved.

*Our consultations are free*

Benefits

Grow Portfolio

Price with confidence with more accurate expected losses and better alignment between risk and premium.

Stabilize Loss Ratio

Better models mean less surprises. Track your AvE to stay up to date with trends and volatility.

Execute Underwriting Apetite

Support growing portfolios and increasing complexity with analytics and insights to support decision making.