Engagement
Reserve Leakage Study
A case-by-case and cohort look at opening reserves, development, and late deterioration on a named product or region.
Who it is for
Reserving actuaries and claims finance who need narrative beside the triangles.
What you leave with
A study that ties reserve movement to invoice types, solicitor capture, and handler practice — so the next triangle is not a surprise without a sentence attached.
Included
- Cohort charts of opening versus developed cost
- A file sample (agreed count) read with claims finance
- A note on fields missing from the extract that block a cleaner read
- A briefing for reserving and claims together
Not included
- Statutory reporting sign-off
- Replacing your appointed actuary
- Capital model work
How the work proceeds
- File-count and extract review, then a fixed fee
- Sample selection with you, not a random dump of closed files only
- Joint reading sessions
- Written study and briefing
Where we work
Dail Mor plus scheduled reading days at your office.
What we need from you
Provide reserve history, payment transactions, and a handler identifier. Agree who can speak to unusual files.
Limits
We will not change reserves. We will say when a file was set with hope rather than evidence.
Fees
Quoted after we see file counts. Smaller regional books often sit between £9,000 and £16,000.