Independent reserving advice that equips insurance leaders to make confident business decisions and strengthen long-term financial resilience

Reserving is fundamental to the financial strength and long-term success of every insurance organization. Accurate reserve estimates support financial reporting, capital management, pricing decisions, and regulatory compliance, while providing confidence to boards, auditors, regulators and other stakeholders.

Davies provides independent reserve analyses, Statements of Actuarial Opinion, and appointed actuary services to insurers, including mutual insurance companies, captives, self-insured organizations, and other risk-bearing entities across the property & casualty market. We support organizations of all sizes, from specialist insurers to larger insurance groups, delivering objective actuarial advice tailored to each client’s business, regulatory environment, and reporting requirements.

Our consultants also bring valuable regulatory perspective through their experience supporting insurance company financial examinations and reviewing reserving methodologies across a wide range of insurers. That broader view enables us to provide advice that is technically rigorous, commercially practical, and informed by industry best practice.

Our reserving services include:

• Independent reserve analyses
• Statements of Actuarial Opinion
• Appointed Actuary services
• Quarterly and annual reserve reviews
• Reserve adequacy assessments
• Peer review of actuarial analyses
• Captive and self-insured reserve valuations
• Regulatory reporting support
• Assistance during insurance company financial examinations
• Independent actuarial support for auditors, boards and investors

Reserve analyses and Statements of Actuarial Opinion have been at the heart of our actuarial practice for more than three decades. During that time, our consultants have advised mutual and other insurance companies, captives, self-insured organizations, and regulators across a broad range of property & casualty classes, providing independent reserve opinions and supporting organizations through changing market conditions and regulatory requirements.

Our experience extends beyond traditional reserving engagements. We have reviewed reserve analyses prepared by other actuaries, supported insurers during financial examinations, and provided independent actuarial input on transactions, regulatory matters, and other strategic projects. Working alongside insurance regulators has also given our consultants insight into the methodologies, assumptions, and governance practices applied across the wider market, bringing additional perspective to every client engagement.

Whether providing an annual Statement of Actuarial Opinion, reviewing reserve adequacy, or supporting a complex regulatory engagement, our objective remains the same: delivering clear, independent actuarial advice that enables clients to meet their reporting obligations, understand their liabilities, and make informed business decisions.