S. Andrew Kline

Andy specializes in actuarial consulting for medical professional liability, other professional liability risks, and other commercial risks, including general liability insurance, with a focus on loss reserving, pricing, and reinsurance analysis. He also has extensive experience in cyber liability risks associated with healthcare providers.

Andy provides actuarial consulting for:

• Reserving, including reasonable ranges and studies in preparation for Statements of Actuarial Opinion
• Ratemaking, including competitive analyses, funding studies and evaluation of rating factors, including class plans, territorial plans, and increased limit factors
• Actuarial due diligence related to mergers and acquisitions
• Benchmarking client data against industry aggregates and peer company cohorts
• Modeling the impact of proposed tort reform
• Independent evaluation of client-internal reserving and pricing models
• Evaluation of reinsurance programs
• Pro-forma financial modeling
• Regulatory support for product filings and financial examinations
• Expert witness testimony support

With a strong background in actuarial risk analysis, Andy helps insurers, self-funded programs, and captive insurers develop data-driven strategies for risk management, pricing, and financial forecasting.