FCAS, MAAA, CSPA Senior Consulting Actuary
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Autonomous Vehicles and the Future of Auto Insurance Mar 27, 2018
Data Breach at Equifax Sep 26, 2017
Cyber Risk Continues to Grow Apr 18, 2017
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Ms. Maxwell currently serves the Casualty Actuarial Society (CAS) as a member of the Casualty Loss Reserve Seminar Planning Committee, E-Forum Committee, Examination Committee, Cyber Risk Task Force, Working Party on On-Demand Insurance and Secretary/Treasurer of the Casualty Actuaries of the Bay Area.
Prior to consulting she was a product manager for a direct auto insurer and held actuarial positions with a state insurance department and national rating bureau. Her background includes personal and commercial lines pricing and reserving.
December 2018 APEX Webinar ASOP Disclosures: A Professionalism Quiz Authored by Laura A. Maxwell.
October 2018 APEX Webinar Status of Cyber Liability Insurance and Methodology Authored by Laura A. Maxwell and Radost Roumenova Wenman.
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Competitive Analysis - Commercial Lines
Pinnacle was approached by a major national commercial lines insurer to provide comprehensive competitive analysis of the businessowners policy (BOP) and commercial automobile insurance market places. Pinnacle’s analysis began with a comprehensive review of the products filed by the leading twenty insurers of these products examining coverage features, rating elements, tiering and scoring elements, unique coverage features and several other key product development elements. Following this initial step, Pinnacle performed detailed territory and premium comparisons for several states using a dynamic premium comparison engine that allowed investigation at the class, coverage amount and territory level of detail. The company used a batch rating feature to develop indicated rate level estimates. Mapping features looking at ranking and pricing differences were also produced. All of this information was incorporated into a countrywide overhaul of the company’s products and pricing.
Medical Malpractice PCF
Pinnacle has developed an excellent working knowledge of patient compensation and birth-related injury funds in many jurisdictions, including Florida, Indiana, New Mexico, Ohio, Virginia, and Wisconsin. In several of these states, we not only complete regular rate indications and loss reserve analyses, we are frequently involved in legislative costing of proposed laws that may impact the fund. These proposed laws have included addition, modification and removal of damage caps, changes to primary coverage limits, revisions to program eligibility or mandatory coverage requirements, and program benefits changes. In all of these states, policymakers have benefitted from Pinnacle’s expert analysis, understandable reports and insightful advice.
Product Development
Pinnacle was retained to develop a long haul trucking pricing model for risks with more than 100 powered units. Using publicly available information, a model that incorporated elements of both exposure and experience rating was developed that incorporated differences in geographic location, cargo and trailer type, radius of operations, driver characteristics, prior claims experience, prior insurer, self insured retention, driver characteristics and several other elements. The program was implemented and has become an essential part of a very successful program.
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February 13, 2020 Annual RIMS Educational Conference
February 20, 2020 February Apex Discussion Series - How to Incorporate Simulated Data into Actuarial Research Register