Solutions

Com-PASS Advisory delivers a set of solutions around dynamic pricing, market monitoring, risk diagnostics, and an iterative model-improvement engine, alongside the broader actuarial work that comes up in long partnerships.

We work across the full breadth of non-life insurance: pricing, reserving, capital, risk modelling, and regulatory work. Below are the engagements we have productized, with defined methodology and repeatable deliverables. They are the deepest specialism we offer. Beyond them sits the rest of the actuarial work we take on, including reserving methodologies, liability adequacy testing, and custom model builds, which we deliver alongside the products when a long partnership calls for it.

The productized work today is built around dynamic pricing for motor lines (MTPL and CASCO) and the diagnostic and modelling layers that feed it. Other non-life lines and other types of actuarial engagement are delivered case by case.

Our engagement model centres on long-term partnerships. One-off engagements happen too where they make sense for both sides.

Dynamic Pricing

A pricing engine for MTPL (Motor Third Party Liability) and CASCO (motor own damage). The new business engine is delivered as a hosted API: your quote system calls our endpoint per inquiry and gets back a coefficient that maps your base tariff onto the optimal price. Renewals run as a separate batch process described below.

What it gives your pricing function:

  • Lower loss ratio at constant volume, or higher volume at the loss ratio you already accept. The benefit is the same number from two directions.
  • Market-aware pricing on every quote, with Czech and Slovak competitor signals refreshed monthly.
  • Loss ratio versus volume optimization, calibrated to the balance your team actually wants, not the one a black-box default produces.

Renewals run alongside, not inside, the new business engine. They use similar methods and the same market data, but the work is a batch process per renewal cycle, not a real-time per-quote call. For each renewing policy we estimate the probability of lapse, factor in the current market price, and propose a per-contract premium that optimizes the future expected value of the book. Retention and acquisition share the market signal, applied to two different problems.

Learn more about Dynamic Pricing

Client Zone

A web application focused on market monitoring and competitor intelligence for MTPL and CASCO. It is not a calibration workbench. It is where your pricing team comes to see the market it is competing in.

What is in it:

  • Competitor tariff tracking across the Czech and Slovak markets, refreshed monthly.
  • Market share analytics by player and by segment.
  • Filter and slice by policyholder segment, vehicle class, and region.
  • Trend views and structural-shift detection.
  • Built for pricing teams that need to defend a tariff in front of management as much as calibrate it.

Learn more about Client Zone

Risk Reporting

A set of recurring HTML diagnostics produced from your claims data. We deliver a regular view of how loss characteristics are developing across your portfolio. It is the data layer that supports dynamic pricing when you do not run continuous diagnostics internally.

Typical outputs:

  • Loss ratio development by accident year and by segment.
  • Frequency and severity decompositions.
  • Triangle diagnostics, including runoff, residuals, and stability metrics.
  • Segment-level views of where the book is trending.
  • Delivered as static HTML, which is shareable and reviewable with no need for specific infrastructure on your side.

Learn more about Risk Reporting

AVA - Adaptable Valuation Approach

AVA is the model-improvement engine that sits on top of Risk Reporting. It iteratively backtests your risk and retention model against observed loss data, identifies the segments where the model is performing poorly, and produces an updated risk model that feeds back into Dynamic Pricing.

How the products connect:

  1. Risk Reporting captures what is happening in your portfolio.
  2. AVA targets the segments where the current risk model is mispricing.
  3. The improved model output goes into Dynamic Pricing.
  4. The cycle repeats. Pricing improves continuously, not in step changes.

This is how a static GLM tariff stops being static.

Learn more about AVA

Claims-settlement reporting

A secondary line of work applying the same diagnostic discipline we use on pricing to the claims-settlement side of the motor book, where the money actually leaves the insurer. Currently delivered as recurring reports for selected partners.

Other actuarial work

Alongside the products, we deliver actuarial work that does not sit inside a productized line. It typically fits situations where a packaged deliverable would over- or under-fit the problem. Always run on your data, tuned individually with your team.

Reserving

Independent review and rebuild of reserving methodologies, including chain-ladder variants, IBNR/RBNS splits, and the diagnostics that should accompany any production reserving exercise. We also work inside insurers as the in-house reserving team where that is the arrangement, not only as an external reviewer. Outputs and assumptions are tuned with your team.

Liability adequacy testing

Adequacy and sufficiency testing for technical reserves. Rebuilt methodology, stress scenarios, run-off projections, and the supporting documentation regulators and auditors expect.

Risk model development

Where AVA is not the right fit and a custom risk model build is needed. New line, new market, or a methodology shift. Built on your data, with your team in the loop.

Independent audits

Independent actuarial audits at insurers and other institutions. Not a headline service. We list it because it comes up.

…and other actuarial work that comes up in a long partnership. We take it on case by case.

How we engage

  • Long partnerships, primarily. Our engagement model is built around clients who want a consultant who knows their book year over year. One-off engagements happen too where they make sense.
  • Fee structure agreed per engagement. Typically a fixed price for productized work and a time-based rate for ad hoc requests in long partnerships. We tailor the structure to what fits both sides.
  • R and Python under the hood. We program for a living. What you receive at the end of an engagement is not just fancy presentations. It is the coefficients, models, and reports your team can read, defend, and build on.
  • In person where it works, remote where it does not. We come on site to the client when it makes sense. The rest of the time we work hybrid.

To discuss whether your company is a fit, write to info@com-pass.cz .