• Analyzing policy forms and endorsements.
• Revising forms and endorsements to comply with state requirements.
• Conducting program market assessments.
• Developing new personal, commercial, and specialty lines products (rates, rules, policy forms and endorsements).
• Preparing filing letters, state mandated filing forms, explanatory material; making filings with regulators and answering regulatory questions on behalf of the client.
• Tailoring programs to allow rating and coverage flexibility to better recognize the difference in each risk.
• Developing amendatory endorsements to tailor coverage for an individual risk.
• Reformatting independent forms and endorsements for utilization of basic ISO, NCCI and other rating organization forms.
• Developing side-by-side comparisons and disclosure forms.
• Providing periodic status reports to the client as well as educational opportunities for the client’s staff in regard to all programs we develop.
• Creating company rate and rule pages.
• Researching regulatory issues.
• Completely handling the development of company primary and expansion applications (admitted and surplus lines), including: business plans, pro-formas, information on capital and surplus and regulatory deposits, and all filing aspects of the UCAA and state forms.

• Evaluation and translation of existing data into valuable information leading to best product decisions. 

• Creating pre-entry market assessments to understand a state’s unique nuances and current competitive arena.

• Developing new programs and all relevant pricing, underwriting rules and acceptability guidelines.

• Reviewing the program’s trends via collection and analysis of loss data and market reports to determine if a revision is required.

• Analyzing program results to determine if it produced the desired and anticipated results, or if not, how it shifted and impacted the existing book of business.

• Analyzing market trends and competitive data to determine the current status of the program in the marketplace and if it is consistent with the target production and profitability goals.

• Reviewing competitor filings to determine what segment they are targeting, their loss experience in a particular segment, etc.

• Preparing and submitting rate, rule and form filings to the Department of Insurance.

• Servicing as a liaison between actuarial and sales/marketing areas to synthesize the quantitative and qualitative data provided from both areas to make appropriate product decisions.

• Assisting with the implementation of the program.