Program Design/Structure

Pinnacle helps alternative risk owners, managers and service providers select risk retentions that optimize the balance between risk capitalization and market conditions.

Pinnacle provides valuable insights that will help you select a program structure that suits your needs. This advice is based on our work with the various forms of self-insurance (e.g. “pure” captives, segregated cells, RRGs, agency captives, large deductible plans).

Pinnacle’s feasibility studies allow you to make informed decisions about the capitalization of your captive.

Reserve Analyses

Pinnacle emphasizes using actual data as much as possible to reflect a client’s unique loss characteristics. When necessary, we utilize our library of industry, state and insurer/TPA specific benchmarks. This allows us to select benchmarks aligned with your program’s unique characteristics, producing better estimates of future losses.

We interact with captive managers, auditors, fronting carriers, reinsurers and other service providers daily, presenting our analysis of the captive’s financial condition regarding loss reserves and funding.

You can always count on Pinnacle’s work to be peer reviewed to the highest professional standards. When a statement of actuarial opinion (SAO) is required, you can be sure it will meet all domicile-specific requirements.

Funding Studies

Pinnacle’s actuarial funding templates and tools for equitable allocations by member or operating division are flexible, easy to understand and economical.

Standardized underwriting submission formats for funding studies help Pinnacle keep costs low and often lead to funding estimates (“loss picks”) in 24 to 48 hours.

Pinnacle funding studies are often expanded to evaluate different self-insured retentions and/or deductible options.