Pricing specialty risk using latest market techniques backed by clean data. We develop granular pricing models across specialty and commercial lines, establishing technical price benchmarks and rate monitoring frameworks.
INDEPENDENT ACTUARIAL CONSULTING — LONDON & GLOBAL
The Mathematics of Maybe.
Data to decisions Defended by Analysis, Tech Rate Consulting provides pricing, ResQ reserving, capital modelling, and data analytics for London Market insurers, Lloyd's syndicates, and specialty reinsurers — data driven, rigorous, and audit ready.
35+Clients Globally
26+Years Experience in Specialty Insurance
15+Years Tech Rate Consulting
§ 01 THE PRACTICE
Six disciplines,
Rigorous, Complete Analysis.
From data processing to regulatory approval, every solution is built on models you can defend.
Specialised motor reserving and cross-class ResQ implementations across Europe and London Market portfolios. Full spectrum methods beyond traditional triangulations, including ODP bootstrapping and IFRS 17 reserve disclosures.
Modelling all underwriting, market, and operational risks faced by insurance carriers. We build adaptable capital models that evolve with the business and gain seamless regulatory approval.
Hands-on coordination with regulatory analysts across London and international jurisdictions. We prepare clear, defensible documentation for Lloyd's Syndicate Business Forecasts and regulatory capital reviews.
Turning raw policy and claims data into actionable underwriting decisions. We deploy machine-learning models, automated data validation pipelines, and portfolio segmentation tools.
Bringing legacy actuarial processes into a modern, data-driven architecture. We lead transformation initiatives that streamline data ingestion, standardise ResQ workflows, and automate executive dashboards.
§ 02 THE METHOD
Data to decisions:
A repeatable loop.
Every engagement follows a rigorous, audit-ready framework.
01 —
Assemble
Data cleaning, reconciliation, and automated ingestion. Triangles start clean.
02 —
Model
ResQ, GLMs, or capital models calibrated specifically to specialty risk profiles.
03 —
Defend
Comprehensive actuarial memoranda documenting every assumption and range.
04 —
Transform
Embedding models into dynamic decision dashboards and regulatory submissions.
§ 03 TOOL — INDICATION BENCH
Pressure-test rate levels before submission.
An interactive actuarial indication tool demonstrating an example of custom interactive models that can be built for rate adequacy, loss trending, and target underwriting margin analysis.
SCENARIOS
CURRENT LOSS RATIO65.0%
TRENDED LOSS RATIO73.1%
PERMISSIBLE LOSS RATIO70.0%
INDICATED RATE LEVEL CHANGE
+0.0%
−25% DECREASE0+25% INCREASE
BEYOND ±25% SCALE — AUDIT REVIEW RECOMMENDED
ACTUARIAL FORMULA: PERMISSIBLE LOSS RATIO = 1 − EXPENSE RATIO − TARGET MARGIN. INDICATED CHANGE = (TRENDED LOSS RATIO / PERMISSIBLE LOSS RATIO) − 1.
§ 04 ADVANCED CAPABILITIES
Protected AI:
The underwriter's engine.
The primary barrier to artificial intelligence adoption in specialty insurance is the protection of intellectual property. Insurers hesitate to surrender their proprietary underwriting logic to public or shared ecosystems. We solve this by building and deploying completely isolated, closed-loop AI models.
Your data, your rating derivations, and your machine learnings remain entirely ring-fenced from competitors. Rather than viewing AI as a threat to human expertise, we architect these systems as powerful augmentation tools. They are trained to ingest complex risk data, run advanced pricing derivations, and surface risk assessments—allowing your underwriters to make faster, more accurate decisions.
"This is not about replacing the underwriter. It is about equipping them with a technologically advanced, proprietary intelligence layer."
Our Fastest Growing Practice
We are actively pioneering this frontier, having already delivered protected AI underwriting assistants for forward-thinking London Market and global carriers. We can demonstrate past work in secure AI integration, showcasing how we merge rigorous actuarial science with highly advanced technical infrastructure.
§ 05 SELECTED ENGAGEMENTS
Selected actuarial
case studies.
Summarised experience across London Market, European, and global insurance entities.
CLIENT TYPESCOPE OF WORK
Global Insurer
M&A reinsurance deal integration, complex reserving, and post-acquisition analysis.
Global Primary Carrier
Financial lines underwriting modifier analysis, Power BI analytics, and portfolio target pricing.
Specialty Insurance Group
Property facilities automation using Python, SQL database pipelines, and Power BI dashboards.
Brokerage Advisory
Digital trading tools, specialty model recalibration (Cyber, Energy, D&O), and MGU setup.
Lloyd's Syndicate
Benchmark pricing framework establishment and platform transformation to Sequel Rulebook.
Interim Executive Role
Interim Chief Actuary oversight, board reserve recommendations, and capital capacity management.
Global Reinsurer
Pricing Lloyd's capacity across 11 syndicates and establishing ResQ reserving methodologies.
Lloyd's & London Market Writer
Internal capital model validation in ReMetrica and successful approval delivery to Lloyd's & PRA.
FULL CREDENTIALS AND ANONYMISED ENGAGEMENT LOGS ARE AVAILABLE TO QUALIFIED PROSPECTS UNDER NDA.
§ 06 THE FIRM
Senior actuarial experience.
Zero sales fluff.
Founded in 2011, Tech Rate Consulting delivers senior-level actuarial oversight and modern analytics to general insurance companies, Lloyd's syndicates, and specialty reinsurers. The actuary who scopes your engagement is the person who builds and signs the model.
"Data to decisions — built on models you can defend." — PRINCIPAL CONSULTANT, TECH RATE CONSULTING
- CREDENTIALS: FELLOWS & ASSOCIATES OF THE INSTITUTE & FACULTY OF ACTUARIES / CAS
- FEE-ONLY CONSULTANCY. INDEPENDENT, UNBIASED, AND AUDIT-READY.
§ 07 START A FILE
Bring us your
hardest modelling challenge.
A qualified actuary responds within one business day to discuss your project specifics.
REQUEST A PROPOSAL
EMAIL DIRECTLY
NO SALES REPS. DIRECT CONFIDENTIAL RESPONSE FROM AN ACTUARY WITHIN ONE BUSINESS DAY.