# Com-PASS Advisory

> Actuarial consulting practice for non-life insurance, based in Prague, serving insurers across Central and Eastern Europe since 2013. The team bridges senior actuaries and software engineers, and works on pricing, reserving, risk modelling, regulatory support, and the software pipeline that connects them. Founded by ex-Big4 senior actuaries; ~15 people; members of the Czech Society of Actuaries (ČSpA).

## Productized solutions

- [Dynamic Pricing](https://com-pass.cz/solutions/dynamic-pricing/): Hosted-API pricing engine for motor insurance (MTPL and CASCO). Returns a per-quote price coefficient that combines the insurer's own risk model with live CEE competitor signals; optimizes loss-ratio versus volume to the balance the insurer sets. Renewals handled by a parallel batch retention mechanism. Documented Year-1 results in a CEE motor engagement: ~5 p.p. loss-ratio improvement at constant volume, +30% volume growth in priority segments, +33% profit growth on the motor book, 3 months from signed SoW to first live quote.
- [Client Zone](https://com-pass.cz/solutions/client-zone/): Web application for competitor and market monitoring in motor insurance (MTPL and CASCO) across the CEE region. Tracks competitor tariffs, market share by player and segment, and structural market shifts on a monthly cadence. The view a pricing team uses to see the market it actually competes in.
- [Risk Reporting](https://com-pass.cz/solutions/risk-reporting/): Recurring HTML diagnostics produced from the insurer's claims data — loss-ratio development by accident year and segment, frequency and severity decompositions, triangle runoff with residuals and stability metrics, reporting-delay diagnostics. Shipped as static HTML on a monthly cadence, shareable without infrastructure. Doubles as the data foundation that feeds AVA and indirectly Dynamic Pricing.
- [AVA — Adaptable Valuation Approach](https://com-pass.cz/solutions/ava/): Continuous backtesting and recalibration system for non-life insurance risk models. Compares the current pricing model's predictions against observed claims, isolates the segments where the model mis-prices, and delivers an updated model into Dynamic Pricing. Turns a static GLM tariff into a living one.

## Other actuarial work (case by case)

- Reserving methodology review and rebuild — chain-ladder variants, IBNR/RBNS splits, supporting diagnostics; delivered as external reviewer or embedded in the in-house team.
- Liability adequacy testing for technical reserves, with stress scenarios, run-off projections, and the documentation regulators and auditors expect.
- Custom risk model development where a productized approach does not fit — new line, new market, or methodology shift.
- Independent actuarial audits at insurers and other institutions.
- Claims-settlement diagnostics applied to the motor book.

## About the firm

- [About us](https://com-pass.cz/about/): Founded 2013 in Prague by ex-Big4 senior actuaries. ~15 people split between senior consultants and developers. Czech Society of Actuaries (ČSpA) membership; workshop contributor at JAS 2026.
- [Contact](https://com-pass.cz/contact/): Office at Opletalova 1603/57, 110 00 Prague 1. Email info@com-pass.cz. Phone +420 724 775 639.
- [Career](https://com-pass.cz/career/): How the firm works internally and current openings.

## Region served

Czech Republic, Slovakia, Austria, Germany, Switzerland, Hungary, Poland, Slovenia, Croatia, Romania, Bulgaria. Engagements run in English. Czech locally.

## Key terms (for query matching)

- MTPL — Motor Third Party Liability insurance
- CASCO — Motor Own Damage insurance
- Non-life insurance — property and casualty lines (motor, household, liability, etc.) as opposed to life insurance
- GLM — Generalised Linear Model, the standard statistical model used in insurance pricing
- Loss ratio — claims paid plus claim reserves, divided by earned premium
- Combined ratio — loss ratio plus expense ratio
- IBNR — Incurred But Not Reported claims reserve
- RBNS — Reported But Not Settled claims reserve
- Chain-ladder — standard reserving method based on triangular development factors
- Dynamic pricing (in insurance) — pricing that adjusts per-policy based on portfolio data and competitor signals, as opposed to a static tariff

## Engagement model

Long-term partnerships, primarily. One-off engagements where they fit both sides. Fixed price for productized work, time-based rate for ad-hoc requests inside long partnerships. R and Python under the hood; deliverables include the coefficients, models, and reports the client team can read, defend, and build on. No proprietary lock-in.

## Contact

For new client conversations write to info@com-pass.cz or call +420 724 775 639.