Expert Actuarial Consulting for Florida Insurers

Navigating non-standard auto and homeowners markets with precision and expertise.

Consult

Regulatory-compliant rate filings and reserve reviews.

In-depth competitor analysis tailored for Florida market.

Flexible, senior-level expertise without large firm overhead.

A modern multi-story office building with a distinctive wavy architectural design. The facade is made predominantly of glass and metal, with an array of vertical and horizontal lines creating a grid-like pattern. There are signs for 'National Insurance' and 'Parking 24x7' visible in multiple languages. The structure appears robust and industrial.
A modern multi-story office building with a distinctive wavy architectural design. The facade is made predominantly of glass and metal, with an array of vertical and horizontal lines creating a grid-like pattern. There are signs for 'National Insurance' and 'Parking 24x7' visible in multiple languages. The structure appears robust and industrial.
A tall building with an intricate architectural design and a large advertisement painted on one of its walls for the Commercial Union Assurance Company. The facade features numerous windows in a symmetrical pattern, and the structure has a historic, early 20th-century appearance.
A tall building with an intricate architectural design and a large advertisement painted on one of its walls for the Commercial Union Assurance Company. The facade features numerous windows in a symmetrical pattern, and the structure has a historic, early 20th-century appearance.
A person wearing a colorful face mask and a red and blue jacket is standing in front of a glass door. They have one hand raised, pressing against a sticker that reads 'Lloyd’s of London' and mentions environmental and social issues. Two police officers in uniform and masks are positioned nearby.
A person wearing a colorful face mask and a red and blue jacket is standing in front of a glass door. They have one hand raised, pressing against a sticker that reads 'Lloyd’s of London' and mentions environmental and social issues. Two police officers in uniform and masks are positioned nearby.

Expert Actuarial Consulting in Florida

At Sunstate Actuarial, we specialize in providing independent actuarial consulting for Florida’s non-standard auto and homeowners market, ensuring compliance and delivering tailored insights for insurers navigating complex regulatory landscapes.

Two modern high-rise buildings with different architectural designs stand prominently. The tower on the right displays the word 'MAPFRE' on its top, with a crane visible on the roof, indicating construction or maintenance activities. The other building on the left features a unique metal frame structure on its facade.
Two modern high-rise buildings with different architectural designs stand prominently. The tower on the right displays the word 'MAPFRE' on its top, with a crane visible on the roof, indicating construction or maintenance activities. The other building on the left features a unique metal frame structure on its facade.
Your Trusted Actuarial Partner
Navigating Complex Insurance Markets

We offer flexible, senior-level expertise without the overhead of large firms, assisting small carriers, MGAs, and start-up insurers with rate filings, reserve reviews, and market analysis tailored to Florida's unique needs.

Actuarial Consulting Services

Specialized support for Florida’s non-standard auto and homeowners market, ensuring compliance and insight.

Rate Filings Support

Expert assistance with regulatory-compliant rate filings tailored for Florida’s unique insurance landscape.

A white water tower with the text 'Burns & Wilcox' is prominently displayed against a clear blue sky. The tower is surrounded by tree branches with budding leaves, and an American flag is mounted on the tower.
A white water tower with the text 'Burns & Wilcox' is prominently displayed against a clear blue sky. The tower is surrounded by tree branches with budding leaves, and an American flag is mounted on the tower.
Reserve Reviews

Independent reserve reviews that provide clarity and assurance for your insurance company’s financial health.

In-depth market analysis to help you understand competitors and navigate Florida’s complex insurance environment.

Market Analysis
A professional consultation setting with a medical professional sitting at a desk facing a client. The room has a modern aesthetic with white walls decorated with framed certificates. The desk is organized with office supplies, a laptop, and a fruit bowl in the center.
A professional consultation setting with a medical professional sitting at a desk facing a client. The room has a modern aesthetic with white walls decorated with framed certificates. The desk is organized with office supplies, a laptop, and a fruit bowl in the center.
A sign featuring the word 'CONSULTATION' in bold, black capital letters. Beneath the text, there is Braille marked on a white background, surrounded by a dark wooden frame.
A sign featuring the word 'CONSULTATION' in bold, black capital letters. Beneath the text, there is Braille marked on a white background, surrounded by a dark wooden frame.

Sunstate Actuarial provided invaluable insights for our non-standard auto and homeowners market strategies.

-John S.

A modern office building with a geometric, pyramid-shaped top. The architecture features reflective glass windows and a beige stone exterior. The name 'Mutua Madrileña' is displayed near the top.
A modern office building with a geometric, pyramid-shaped top. The architecture features reflective glass windows and a beige stone exterior. The name 'Mutua Madrileña' is displayed near the top.
A group of individuals wearing white helmets and green uniform jackets stands near a corrugated metal wall. They appear to be engaged in some activity, possibly an inspection or discussion, holding documents and writing materials. One individual is wearing a headscarf under the helmet.
A group of individuals wearing white helmets and green uniform jackets stands near a corrugated metal wall. They appear to be engaged in some activity, possibly an inspection or discussion, holding documents and writing materials. One individual is wearing a headscarf under the helmet.

★★★★★

Insights

Expert consulting for Florida’s unique insurance market.

suncoastactuarial@gmail.com

© 2025. All rights reserved.