About Us - The BMS Group is a specialist insurance group built around teams of experts in the fields of Wholesale, Reinsurance, Direct Insurance and two MGA subsidiary businesses.

Close collaboration between BMS brokers and our analytical and technical professionals enables us to deliver expert analysis, modeling and transactional services to our clients. Our services include: actuarial solutions, reinsurer financial analysis, catastrophe modeling – RMS, AIR and our own BMS i-Vision.

Reinsurance pricing, structuring and retention analysis.

Not a ‘one size fits all’ system. Its flexibility allows for it to be tailored to the needs of individual clients.

We perform a variety of detailed analyses to determine the optimal reinsurance solution for each client that are tailored to your requirements including risk tolerance, rating agency, regulator and stockholder needs.

Evaluation process:

• Development of traditional experience and exposure rating analyses
• Creating indicated reinsurance rates by incorporating appropriate risk and expense loads
• Building stochastic, or dynamic financial analysis models, that simulate frequency and severity of events
• Evaluation of potential alternative reinsurance structures; typically including a variety of combinations of excess, surplus, quota share and/or stop-loss covers.

Risk transfer, capital adequacy and rating agency support.

After the firm order terms are in the market to be placed, we:

• Perform any risk transfer analysis that may be required, including documentation that can be included in your files to support auditor or regulatory reviews
• Provide Best’s Capital Adequacy Ratio (BCAR) or NAIC Risk Based Capital (RBC) analysis as appropriate and assist with the development of presentations to interested stakeholders.

We can provide feedback on analyses provided by our clients’ actuarial consultants. We can also help evaluate new states and lines of business and support the compilation of state rate filings.