Actuarial, Analytics and Risk Advice for General Insurers: Clarity in a Changing Market

We help insurers, reinsurers, MGAs and captives make better decisions by combining actuarial expertise, modern analytics and practical strategic insight.

Our work is senior‑led, independent and proportionate; designed to be useful at board level and actionable in delivery teams.

Technical Depth, Commercial Clarity

Insurance leaders are balancing pricing discipline, claims inflation, reserving uncertainty, regulatory change and capital efficiency, often while modernising data and operating models. Broadstone supports clients across the full cycle from deep technical analysis to decision-ready insight, and from targeted reviews to embedded delivery.

  • Actuarial expertise spans reserving, pricing, capital, reinsurance and regulatory reporting.
  • Data analytics and advanced modelling accelerate insight, improve repeatability and reduce production burden.
  • Risk and governance support covers ORSA, risk appetite, stress and scenario testing, and board reporting.
  • Strategic advice links technical outputs to commercial decisions, including portfolio actions, underwriting strategy and capital deployment.

Actuarial Services for the Insurance Industry

We work with a wide range of general insurance organisations – from high‑growth insurers and MGAs to complex groups – providing the right level of support at the right time. Our focus is long‑term partnership: clear advice, practical delivery, and robust challenge that improves decision-making.

Actuarial Function and Outsourced Support

From independent challenge and peer review to a fully outsourced function. Strengthen governance and maintain delivery resilience during peak reporting.

  • Actuarial Function Holder / Chief Actuary support (where appropriate)
  • Peer review and professional support for sign‑off
  • Embedded BAU support for reporting cycles
  • Operating model and resourcing

Pricing, Portfolio Performance and Underwriting Strategy

Decision‑ready insight across pricing, claims and performance – connected to exposure, reinsurance and capital for joined‑up portfolio actions.

  • Technical pricing support
  • Rate adequacy and monitoring
  • Performance deep dives
  • Strategy and portfolio action support

Risk Management and Regulatory Support

Practical risk support that improves resilience, from frameworks and reporting through to deep dives on priority risks.

  • Risk framework and governance
  • Stress and scenario testing programmes
  • Regulatory query support
  • Operational resilience and emerging risk reviews
  • Outsourced CRO

Capital, ORSA and Model Risk

Capital modelling with a focus on usability and confidence – credible validation, clear documentation and outputs that inform strategy.

  • Standard formula support
  • Internal model work / validation
  • ORSA scenarios and governance
  • Risk appetite metrics and limits

Exposure Management

Strengthen accumulation insight and embed it into planning, underwriting and governance, with clear reporting and practical controls.

  • Exposure and accumulation frameworks
  • Catastrophe model processing, interpretation and challenge
  • Scenario and sensitivity analysis
  • Board / committee reporting

Data Analytics and Automation

Reduce friction in reporting cycles and accelerate insight by combining actuarial knowledge with modern data analytics capability.

  • Repeatable data pipelines and validation
  • Automation and dashboards (Python/R/SQL/Power BI)
  • Claims analytics and triage
  • Upskilling and knowledge transfer

Who We Work With

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Insurers (UK & International)

We support retail, commercial and specialty insurers.
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London Market Participants

This includes managing agents, insurers and brokers.
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Reinsurers and Brokers

We work with reinsurers and reinsurance intermediaries.
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Managing General Agents

We support MGAs from early-stage build through to mature portfolios.
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Captive Insurers and Owners

We advise corporates and
self-insured organisations using risk financing structures.
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Corporates and Self‑insureds

We support organisations using risk financing structures.

“I’m fortunate to lead a highly skilled, supportive team dedicated to helping General Insurance clients succeed. With a background across pricing, reserving, capital and risk, I bring clear, practical guidance to my team and clients shaped by experience with insurers of all sizes.

I value long‑term partnerships and often work as an extension of my clients’ teams. I also advise on regulatory matters, act as Chief Actuary, and stay connected to industry developments through my IFoA volunteer roles.”

Kathryn Moore

Chief Actuary (Head of Non-Life Consulting)

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Why Broadstone

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Senior-Led Delivery

Experienced practitioners remain hands-on throughout every engagement.

Measured Independence

Robust challenge is delivered constructively, with clear rationale.

Actuarial Depth and Modern Analytics

Technical rigour with workflows that improve speed and repeatability.

Proportionate Solutions

Methods and governance are matched to scale and decision needs.
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Flexible Engagement Models

Support is provided through project delivery, embedded teams or outsourced functions.
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Clear Communication

Outputs are decision-ready for boards and detailed enough to be implemented by delivery teams.

Expert Insights and Resources

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MGA Actuarial Survey 2026

Insights into how MGAs access actuarial and analytical capabilities, and where opportunities and dependencies arise.

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MGA and Delegated Authority brochure

How we help MGAs and Delegated Authority Underwriters compete through actuarial and analytics capability.

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Captive Insurance brochure

How we help captives build resilience across the cycle through pricing, reserving, capital and governance.

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MGAs and Actuaries in 2026

Insights into how actuarial capability is becoming central to how MGAs scale, compete and add long-term value.

Broadstone climate leaflet cover

Climate Risk Gap Analysis & Remediation

This Climate Risk Gap Analysis provides a clear, evidence-based view of current SS5/25 readiness and the proportionate actions needed to meet PRA standards and enhance.

Speak directly to our specialists to find out how we can support your business.