At Pinnacle, we understand that the “M” in ERM stands for "management," not "models." We can assist you in the initial review, design and documentation of internal economic capital models and marginal pricing frameworks. Our holistic approach to ERM will help you to document your organization’s due diligence regarding ERM to interested parties.

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Our expertise and insight comes from decades of tailoring specific solutions that meet the ERM needs of a diverse selection of entities and organizations:

Insurers and Reinsurers

We work with insurers and reinsurers on a variety of ERM projects, including:

  • Helping companies articulate their risk appetite
  • Building Dynamic Financial Analysis (DFA) models and performing DFA analyses (including company valuations) for insurers and reinsurers
  • Working on a variety of issues surrounding capital modeling
  • Assisting in the development of reinsurance treaty pricing models that incorporate rating agency capital requirements
  • Helping prepare necessary documentation for the capital models that they have developed
  • Assisting with design of marginal pricing models for reinsurance companies
  • Providing assistance for strategic decisions, such as expanding into new lines of business or regions
  • Providing actuarial support for Merger & Acquisition (M&A) decisions

Asset Managers

We work with asset managers to develop models that optimize asset allocations and help match the durations of assets and liabilities.

Regulators

Issues such as aggregation of risk, capital modeling and risk control procedures are all receiving considerable attention by regulators. Pinnacle works with a wide range of clients on these and other ERM issues, and is well-qualified to assist regulatory bodies in these matters.

Self-Insured Entities

Pinnacle helps self-insured entities analyze their entire cost of risk associated with the selected retention option. We can analyze various retention levels for a self-insurance plan in an effort to maximize the benefit of the plan, while focusing on the risk appetite of the entity.

Government Insurers

Pinnacle has vast experience assisting government insurance entities with ERM projects. Typically, this involves DFA analyses and other studies regarding capital adequacy and reinsurance structures.

Public Entities

Pinnacle’s expert staff helps public entities all over the United States in analyzing their exposures, liabilities and risk management procedures in a cost-effective way.

Enterprise Risk Management Services

  • Capital Allocation
    Pinnacle actuaries have real-world experience addressing issues related to allocating capital for pricing and associated profitability metrics.
  • Capital Modeling
    Pinnacle’s team of highly qualified actuaries has experience in all areas of capital modeling, ranging from regulatory perspectives and rating agency models, to models reflecting individual company risk and reward preferences.
  • Risk Aggregations
    Pinnacle actuaries are experts in identifying how risks interact and aggregate, and in developing methods for quantifying and mitigating these aggregations.
  • Risk and Reward Analyses
    Pinnacle understands the dynamics behind the risk-reward trade-off and can help you properly evaluate which risks are worth pursuing.
  • DFA and Stochastic Financial Modeling
    Pinnacle actuaries have been leaders in Dynamic Financial Analysis (DFA) and other forms of stochastic financial modeling for more than 15 years.

Enterprise Risk Management Industries

Pinnacle’s experts understand the rapidly changing health care services environment. We have provided actuarial consulting services in every aspect of medical professional liability insurance at the local, state and national levels.
Contractors understand how insurance costs can adversely affect their ability to remain in business. We serve the entire spectrum of risks from heavy civil exposure to general contractors to artisan contractors. The exposure to liability and workers compensation risk is challenging but the manner in which such costs can be measured and controlled is where Pinnacle adds considerable value.
Our focus is to quantify the expected ultimate costs of insurers' transportation claims liabilities and reflect the unique characteristics of risk exposures.
Pinnacle understands that manufacturers face numerous liability exposures, from workers' compensation to auto, and many more. We help manufacturers manage exposures in the highly variegated manufacturing industry.

We We Serve in Enterprise Risk Management

Our expertise in providing audit support includes traditional insurance companies, reinsurers, risk retention groups and a wide variety of captive insurance companies. We are regularly called on to provide audit support for insurance, alternative markets and self-insurance operations.
Pinnacle has expertise in many lines of coverage, alternative risk transfer structures, regulatory jurisdictions and industry niches. Our team of experienced consultants understand the needs of captive managers, and bring local knowledge unique to individual market segments.
Whether you need to develop an enterprise risk management program, identify best practices for your industry or procure expert insight and analysis for a broad range of projects, our team of experts are focused on doing whatever it takes to exceed your expectations, time and time again.
Pinnacle provides a variety of services to insurance regulators. Services include financial exams including risk-focused examinations, rate filing reviews and model reviews. Pinnacle has also assisted regulators with captive applications reviews, training, and legislative costing.

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