Self-Insureds
Our expertise comes from having a team of experienced consultants with deep understanding of the challenges self-insureds face, but also with local knowledge unique to individual market segments.
Pinnacle is well-versed in the intricacies of mechanisms for alternative markets structures, including:
- Large deductible policies
- Retrospectively rated policies
- Single parent captives
- 831(b) captives
- Group captives
- Agency captives
- Association captives
- MGA-controlled programs
- Risk retention groups (RRGs)
Self-insurance programs, which allow companies to pay some portion of their insurable loss exposures, come in all shapes, sizes and types. Multinational corporations, single state operations, large deductible and retrospectively rated policies, risk retention groups (RRGs), and captives — including 831(b)s, single parent captives, segregated cells and group captives — all play critical roles.
As nationally respected experts in alternative markets, Pinnacle provides a full range of actuarial services to a wide range of self-insureds, including traditional loss reserve analysis for exposure within deductibles or self-insured retentions. We can compare alternate program structures, analyze retention levels and develop feasibility study documents, along with a myriad of other services.
Our expertise comes from having a team of experienced consultants with deep understanding of the challenges self-insureds face, but also with the local knowledge unique to individual market segments, such as:
- General liability for contractors
- Medical professional liability for physician groups and hospitals
- Workers' compensation for temporary staffing firms
- Law enforcement liability for public entity pools
- Commercial auto liability for trucking companies, bus companies and taxicabs
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