Coastal Property Consulting

As a leader in coastal property and casualty insurance risk management and actuarial services, we provide consulting services to insurance companies, state insurance departments, and other businesses to help them quantify and manage catastrophe and other exposures.

There is a unique nature to property insurance work in coastal states, and all insurance lines in the state of Florida.  Few firms in the country have as much experience with this specialty as Merlinos & Associates. Our consultants have been involved in the coastal property insurance market since 1987, well before Hurricane Andrew.  Our coastal work and Florida work includes:

  • Development of programs and rating support acceptable to Florida Office of Insurance Regulation (OIR) actuaries and management
  • Fluency in Florida OIR rate filing systems, including RCS
  • Catastrophe Excess of Loss Reinsurance structure analysis
  • Extensive communications and long-term working relationships with all levels of regulatory personnel at the Florida OIR
  • Preparation of quarterly and annual loss and LAE reserve estimates and reports
  • Using Computer Simulation models in ratemaking, reinsurance treaty analysis, risk management and planning
  • Traditional rate structure analysis (territory, deductibles, etc.)
  • Development of new ratemaking techniques that incorporate the latest technologies and data available, while making the results acceptable in rate filings to regulatory agencies
  • Providing expert testimony in hearings related to property insurance rate filings

Active participation in the activities of the:

  • Florida State Legislature
  • Florida Insurance Council
  • Florida Insurance Summit
  • Florida Hurricane Catastrophe Fund
  • Florida Commission on Hurricane Loss Projection Methodology
  • Institute for Business and Home Safety
  • Property Casualty Insurers Association of America
  • Risk and Insurance Management Society

Other Coastal Activity



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