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

RAS uses RiskMap®, its proprietary intellectual property, to dive into organizations’ historical loss data across Property & Casualty and Health & Benefits programs.

RAS clients benefit from deep analytical reviews of their data that reveal hidden trends and insights, often leading to significant savings and improved cost allocation. These insights support positive risk mitigation and performance improvement initiatives.

RAS strengthens clients’ negotiating positions with insurers, reinsurers, and underwriters.

Real-World Results

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

RAS uses client data to level the playing field in negotiations with underwriters. In ServPro’s case, this approach reduced reinsurance premiums by over 18% and significantly lowered required collateral for open reserves.

Michael Connell, President of ServPro’s Restoration Risk Retention Group (RRRG), describes how Risk Analysis Services supported reinsurance negotiations and discussions with boards and regulatory authorities.

Analytical Methods for Reducing Business Insurance Costs

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

Moneyball for Insurance article explaining data-driven risk analysis methods
Introductory brochure outlining Risk Analysis Services capabilities

Click for Concise Explanation

…and the steps to work with RAS!

Level the playing field in the Insurance Marketplace!

Save Money

Improve Operations

Meet Regulatory Requirements

Achieve Board Compliance

Reduce – Liberate Collateral

Who RAS Works With

RAS works with medium to large enterprises and municipalities, as well as:

  • Insurance brokers and consultants
  • MGAs and MGUs
  • Captives and captive managers
  • Risk retention groups and pools
  • Risk placement organizations
  • Fully insured and self-insured entities

What RAS Delivers

Risk Analysis Services LLC delivers value by helping clients:

  • Calculate Self-Insured Retentions (SIRs) and loss layers that maximize retention strategy!
  • Analyze potential ways future losses might be reduced!
  • Assess the impact of litigation management and related programs on expected losses!
  • Evaluate premium and cost allocation strategies that encourage reduced frequency and severity!
  • Graphically demonstrate the impact of safety and loss control programs!

Years Of
Experience!

$

Millions in
Premiums Saved!

$

Millions in
Collateral Reduced!

Interested in finding out whether RAS can help you
lower insurance or reinsurance premiums and potentially reduce collateral requirements?
The steps below outline the process:

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