Merlinos has extensive experience providing consulting services to various municipalities and similar entities that self-insure their workers’ compensation, general liability, automobile liability, and other exposures.

Experience with Liability Analysis of Self-Insured Entities

Merlinos has substantial experience assisting on liability analyses of self-insured entities, including public entities such as municipalities, pooled funds, and private sector clients.  This assistance has included funds which cover the full range of traditional exposures and also funds of varying sizes, from very large funds covering a wide variety of exposures for many clients, to funds covering specific exposures to smaller clients.  In addition, Merlinos has provided clients with a wide variety of services, including end-of-year required reserve analysis, quarterly projections of liabilities, payment estimates, and estimates for discounted reserves.  We also understand state-level self insurance actuarial requirements such as those described on Florida Statute 112.08 and California SB 863.  Merlinos always produces a work product which is well-documented and easy-to-read and follow, in addition to being actuarially sound.

Experience with Funding/Rating Analysis of Self-Insured Entities

Merlinos also has experience providing rating and/or funding analyses for self-insured entities and similar mechanisms.  In the course of our analyses, we have created rate indications, rating classification studies, advanced ratemaking (including experience rating and schedule rating), and analysis of impact of tort reform on rates.

Experience with Applicable Lines of Business

Merlinos has broad reserving, pricing, and expanded consulting experience dealing with workers’ compensation, general liability, auto liability, and other exposures.  This experience has touched on virtually every line of business covered by insurance, and has given us an excellent understanding of the issues relevant to each coverage.

Experience with Governmental Entities

Our extensive municipal/public entity experience gives us a comprehensive understanding of GASB requirements as well as unique issues faced by governmental entities.  We have provided consulting services to public entities in numerous states.

Types of Clients

Merlinos has provided actuarial services across a variety of insurance exposures to numerous state and local municipalities and public entities.  And, we have provided similar actuarial services to other self-insured entities.  The organizations we have served reflect reserve amounts ranging from $1.5 million to $60 million.  Below are examples of the services we provide and the types of entities we have served.  References are available upon request.

Services Performed

  • Reserve Analyses
  • Funding Estimates
  • Reinsurance Pricing
  • Ratemaking Assistance
  • Risk Classification


  • Automobile
  • General Liability
  • Workers’ Compensation
  • Property

Types of Entities Served

  • Cities and Counties
  • Colleges and Universities
  • County Commission Associations
  • Higher Education Association
  • Municipal Insurance Organizations and Trusts
  • Not-for-Profit Groups
  • Public School Systems and Consortiums
  • Public Utility Systems
  • Trade Associations and Groups
  • Transit Authorities