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Risk Analysis Services (“RAS”) helps our clients save on insurance and reinsurance premiums, lower their collateral requirements, and more!

RAS uses RiskMap® its proprietary IP, to dive deep into organizations’ historical loss data (Property/Casualty, Health/Benefits).

RAS clients benefit from our deep dives into their data that often reveals hidden trends and insights that lead to significant savings plus improved cost allocation. This incentivizes positive risk mitigation and Performance Improvement.

RAS strengthens clients’ negotiating positions in the insurance marketplace:

“I’m an attorney…I hate math…it helped my brokers negotiate a better rate…” Renee Pettinato Mosley, Risk Manager – City of Aurora, CO

AI Assisted Automated Analysis leads to Retention Optimization Solutions.

We use data to level the playing field in negotiations with underwriters, which often reduces the insureds’ premiums.
For insurers, we use data to improve the focus and profitability of their risk portfolios. Michael Connell of ServPro’s Restoration Risk Retention Group (RRRG) describes how Risk Analysis Services helped RRRG in reinsurance negotiations, evaluation of effectiveness of a major initiative and other critical ways.

RAS’s Analytical Methods for Reducing Business Insurance Costs …

“Moneyball for Insurance” Published in the Demotech Difference Quarterly, Spring 2025*

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RAS 1_2 page Moneyball Screenshot 2025-12-24 at 11.04.33 PM

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…and the steps to work with RAS!

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Level the playing field in the insurance marketplace

Save Money

Improve Operations

Meet Regulatory Requirements

Achieve Board Compliance

Reduce – Liberate Collateral

(RAS) Risk Analysis Delivers VALUE:

Initial Review Determines if Historical Loss Data may reasonably support negotiation of improved risk-retention and coverage position.
Calculate Self-Insured Retentions (SIRs) and Loss Layers that help maximize retention strategy.
Analyze Potential Ways future losses might be reduced.
Assess impact of Litigation Management and other programs in achieving savings in the arc of expected losses in the absence of such innovative strategies to help control the Enterprise Cost of Risk. Assess Enterprise Risk Management policies and strategies.
Assess validity of Premium and Cost Allocation strategies based on their correlation (or absence of correlation) with desired outcomes in inducing reduced frequency and/or severity of claims, thus achieving savings in the arc of expected losses
Demonstrate impact of Safety & Loss Control programs in reducing frequency & severity of losses.

Years Of
Experience

$

Millions in
Premiums Saved

$

Millions in
Collateral Reduced

RAS works with medium to large enterprises, public entities, Insurance Brokers, Consultants, MGAs, MGUs, Captives, Risk Retention Groups, Pools, Risk Placement Organizations, Fully insured to Self-Insured Entities, and more.

Next Steps

Like to find out if RAS can help you lower your insurance/
reinsurance premiums and collateral requirements?
Here are the steps below. Please click them!

What Our Clients Say

RAS assisted our company in documenting loss trends by loss layer, helping us reduce our treaty costs by over 15% by better managing our retention for maximum efficiency. The analysis also helped us support our new retention strategy with regulators, rating agencies, and our Board of Directors.”

Mike Connell
President Restoration Risk Retention Group (an RRG serving ServPro’s Franchisees)

I’m an attorney…I hate math…it helped my brokers negotiate a better rate…”

Renee Pettinato Mosley
Risk Manager – City of Aurora, CO

Working with Alan and his team was a delight, a rare occasion where an expert service provider delivered exactly what was described. I’m pleased to report Alan Cantor and RAS were able to level the playing field for our client and their reinsurance broker in negotiations with the reinsurers, saving over 15% on their next renewal.”

James R. Girardin
President Amethyst Captive Insurance Solutions Burlington, VT

Risk Analysis Services (RAS) helps level the playing field in the insurance marketplace!