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RAS Goes Deeper™
Revealing the Trends That Drive Premiums, Retentions & Collateral Requirements

Deep Analysis. Real Insights. Stronger Results.

RAS uses RiskMap®, its proprietary analytical methodology, to examine organizations’ historical loss data, with a primary focus on Property & Casualty programs.

Our in-depth reviews reveal hidden trends that traditional reporting often misses — helping clients identify opportunities for savings, better cost allocation, stronger risk mitigation, and improved renewal negotiations.

These insights can strengthen clients’ negotiating positions with insurers, reinsurers, and underwriters.

Schedule a 15-Minute Introductory Call

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

Download

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!

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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

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!

Next Steps

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:

Initial Zoom meeting to discuss how Risk Analysis Services works with prospective clients

Signing a mutual NDA before sharing historical insurance loss data

Submitting historical insurance loss and exposure data for risk analysis

Risk Analysis Services reviewing historical insurance loss data and analytics

Discussing whether risk analysis can support insurance premium and collateral reduction

Step 6: Discuss proposed scope of work (SOW) and send proposal.

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

Risk Analysis Services has powerful analytical tools that we have found beneficial over the years.

A trucking company was able to move back to an A-rated carrier following the decline from A+ to A- to B because your detailed report showed that the loss trends were reversing.

A manufacturer’s warranty program pricing model was supported by your analysis.

Insurance is a negotiation and with tools like yours, the underwriters receive an objective third party’s insight which can support pricing decisions.

Lou Polur
Advisor on Insurance Polestar Insurance, LLC Clearwater, Florida

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!