FCAS · MAAA · P&C Actuarial Consulting · Wilmington, NC

Senior actuarial counsel
for the carriers, captives
& programs that need it most.

Dave Horn, FCAS, MAAA, is a property and casualty actuary in Wilmington, North Carolina, and the founder of Coastal Carolina Actuarial Consulting. He has priced quota share as a primary carrier, a reinsurer and a fronting carrier, so he reads contract terms the way the other party does, right at the negotiating table.

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910-812-7616
FCAS · MAAA
29Years
4Industry Seats
P&C Only
Dave Horn, FCAS, MAAA, property and casualty actuary in Wilmington, North Carolina
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Workers Compensation   Commercial Property   General Liability   Personal Auto   Homeowners   Commercial Auto   Professional Liability   Cyber Insurance   Aviation Workers Compensation   Commercial Property   General Liability   Personal Auto   Homeowners   Commercial Auto   Professional Liability   Cyber Insurance   Aviation
The Practice

A specialty P&C consulting practice for organizations that need a credentialed actuary without the overhead of one.

What We Do

Broad expertise across P&C actuarial work,
delivered as one practice.

Each engagement runs from intake through final memo with the same credentialed actuary. No layered teams, no junior hand-offs, no learning curve passed back to the client.

01 / Pricing

Pricing Analysis

Rate adequacy, loss development and trend, XL layer pricing, and multi-line quota share models across multiple P&C lines of business.

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02 / Reserves

Reserving & SAO

Independent reserve reviews, Statement of Actuarial Opinion, and Actuarial Report services for statutory annual filings.

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03 / Planning

Planning & Forecasting

Multi-line profitability exhibits factoring complex reinsurance terms, built originally for a former CEO's forward-view planning.

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04 / Reinsurance

Reinsurance Modeling

Quota share and XL treaty pricing from primary, reinsurer, and broker perspectives, built on extensive hands-on placement experience.

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05 / Peer Review

Peer Review

Independent review of actuarial work product for other consulting actuaries before client or regulator distribution.

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06 / Advisory

Executive Advisory

Plain-language translation of actuarial findings for CEOs, CFOs, and boards. A hallmark of the practice, not an afterthought.

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The Four Seats

Four seats. One quota share.

Across a 29-year career, Dave deliberately worked the treaty from every chair that matters. That's why he can tell you what the other side will ask for before they ask. Today he brings that experience to carriers, MGAs, reinsurers, captives and risk retention groups across North Carolina and nationally.

Primary carrier

Key Risk Management Services (W.R. Berkley) · AVP & Director of Actuarial Services · 2005–2010

Defined the actuarial function: pricing, reserving and planning. Launched new products, researched state expansion, and presented ultimate loss estimates to Berkley senior management and board members.

Reinsurer

Maiden Reinsurance · VP, Pricing Actuary · 2010–2018

Priced more than 250 reinsurance treaties. Learned how reinsurers read a submission, build their expenses and use contract terms, and why inconsistent data costs a cedant at the table.

Program carrier

Falls Lake Insurance Companies · VP & Senior Actuary · 2019–2024

Priced programs from MGAs ranging from start-ups to established shops, where data quality and expertise vary widely. Pricing well around thin data is the whole job.

Fronting carrier

Clear Blue Insurance Group · Senior Vice President · 2024–2026

Senior actuary on a $1.9B fronting platform with 28 MGAs. Client-facing work with MGAs, reinsurance captives and brokers, covering many lines without a carrier-sized actuarial staff behind it.

P&C Only · No Life · No Health

Each party to a quota share worries about something different. The cedant worries it's giving up too much premium, the reinsurer worries it's taking on too much loss, and the fronting carrier worries about how much risk lands on a thinner balance sheet. Dave knows the perspective of each party at the table and understands the effort by each party in reaching final contract terms.

From a Former CEO
Your analysis and work through the years helped make the company financially stable.
Terry McCafferty, Former CEO
In Their Words
I had the pleasure of working with Dave Horn for five years at a specialty programs insurer. I managed program development, underwriting and production. Dave led the team providing my group with analytical support for pricing, rate filings and ad hoc financial analysis. Over my career, I have observed that actuaries and ‘the business’ often seem to speak different languages and struggle to achieve a meeting of the minds. I never found that to be the case with Dave. Dave’s great gift is his ability to clearly explain his actuarial process, analysis and conclusions to ‘the business’ in terms that are understandable to non-actuaries. Dave also excels at building analytical tools for use by underwriters and business development staff to help guide them in making smarter fact-based business decisions. In short, Dave is an actuary who ‘gets the business’, and I highly recommend him.
Bill Bowman, SVP, Head of Programs
Dave is an exceptional actuarial leader with deep expertise in both pricing and reserving. He brings a rare combination of technical strength, professionalism, and practical business judgment to every challenge. His work is always thoughtful, detailed, objective, and grounded in integrity, making him a trusted advisor and respected leader across organizations.
Eric Liland, SVP, Chief Actuary and Corporate Secretary
Sound numbers, told plainly, give leadership the room to make good decisions.
The CCAC Practice Philosophy
Who We Serve

Six kinds of organizations,
one common need.

The practice is built for the specialty and smaller market: carriers, programs, and risk-takers that need credentialed actuarial work on the cadence that fits their operation, not on a full-time payroll.

01

Insurance Carriers

Smaller primary writers · SAO, pricing, reserving

 02

Fronting Companies

Program business · MGA-backed · SAO for fronted programs

 03

Risk Retention Groups

Statutory SAO · Domicile filings

 04

Captive Insurers

Single-parent & group · Feasibility & reserve opinions

 05

MGAs & Programs

Pricing without the carrier overhead

 06

Reinsurers & Brokers

Treaty pricing · XL & quota share · Reinsurance captives

Based in one of the largest captive domiciles in the country.

North Carolina is the third-largest captive domicile in the United States, home to more than 1,500 risk-bearing entities, including captives and risk retention groups. Dave is a credentialed P&C actuary based in Wilmington, serving captives and RRGs across the state and nationally.

Why CCAC

Built for the work,
sized for the client.

Four commitments shape every engagement, from the first scoping call to the final delivered memo.

i.

You always work with the credentialed actuary.

No junior hand-offs, no rotating account managers, no relearning your business each quarter. The FCAS who scopes the work delivers the work.

ii.

Complex analysis, delivered in plain language.

Findings translated for CEOs, CFOs, and boards, so the people accountable for the numbers actually understand the numbers.

iii.

Right-sized, flexible engagements.

Hourly or fixed-fee. No retainers, no minimums, no annual commitments. The work scales to fit the question on the table.

iv.

Built for the specialty market.

Fronting carriers, RRGs, captives, MGAs, and program managers: operations that need senior actuarial work on a cadence that matches their structure.

Begin a Conversation

An hour with the actuary is often enough to scope the work.

Most engagements start with a call. No retainer, no commitment, just a conversation about what's on your desk and whether CCAC is the right fit.

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About the Practice

Coastal Carolina Actuarial Consulting, LLC is located in Wilmington, North Carolina, owned by Dave Horn, and serving clients nationally. He is a Fellow of the Casualty Actuarial Society (FCAS) and a Member of the American Academy of Actuaries (MAAA). He has over 29 years of actuarial experience in loss reserving, Statement of Actuarial Opinion, pricing analysis, planning, reinsurance, reinsurance collateral, and modeling financial results. Coastal Carolina Actuarial Consulting provides actuarial services across multiple lines of business to managing general agencies (MGAs), fronting companies, Risk Retention Groups, captives, insurance carriers, reinsurers, and brokers.