Workers Compensation

We will provide your self-insured organization or JPA with an actuarial report that is easy to use. The report summarizes and highlights the important estimates and projections  in a few prominent tables. Carefully designed charts and graphs explain the issues at a glance. We point out and discuss any odd or unusual issues.

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General and Auto Liability

As in a workers' compensation actuarial report, the main items are an estimate of the self-insurance liability and recommended funding for next year. However, the issues involved in self-insuring general and auto liability are far different.

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Property is actually one of the riskier coverages for self-insurers due to the relatively low frequency but potentially high severity of the losses. Most clients have far fewer property losses than workers' compensation or liability losses, especially when one doesn’t count small losses of less than $1,000. Property self-insurers purchase "excess" insurance or reinsurance to cover the large losses that might have a serious financial impact.

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Welcome to Bay Actuarial Consultants

Bay Actuarial provides actuarial reports and consulting services to self-insurers, joint powers authorities ("JPA's") and other pooling arrangements. Clients include businesses, hospitals, cities, counties, K-12 school districts, community college districts, and joint powers authorities, and other types of pooling arrangements.

Our expertise is in workers' compensationliability, unemployment, and property insurance.

We provide:

  • Clear understandable reports that cover:
    • Self-insurance and JPA liabilities,
    • Funding recommendations for self-insurers,
    • JPA contribution rate recommendations;
  • Cost allocation mechanisms based on exposure and "experience modification;
  • Advice on Self-Insured Retentions ("SIR's");
  • Rating for prospective new JPA members.

Our actuarial reports regularly identify important issues on important items and issues.

We strive to make the actuarial experience fast, easy, and painless for our clients.

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Next Steps...

Contact us to request a quote or just to talk with us about your issue.