|
ER provides examination services for various insurance regulatory agencies. Examination services include market conduct and financial examinations, information systems reviews, operational reviews, and data validation reviews of insurance related companies.
Although we consider ourselves to be a small firm, we have the capacity to examine the largest insurers. We have performed financial examinations of insurers with assets in excess of $70 billion.
Our market conduct examinations have ranged from target to full scope examinations. We have gained substantial expertise in the field of hurricane related claim reviews.
The following lists the types of insurers and lines of business our staff has experience in examining:
|
Types of Insurers |
|
Financial Examination Experience |
|
Market Conduct Examination Experience |
|
Life |
|
|
|
|
|
Credit |
|
|
|
|
|
Annuity |
|
|
|
|
|
Accident & Health |
|
|
|
|
|
Long-term Health Care |
|
|
|
|
|
Medicare Supplement |
|
|
|
|
|
HMO (Health Maintenance Organizations) |
|
|
|
|
|
Blue Cross or Blue Shield |
|
|
|
|
|
Disability |
|
|
|
|
|
Viaticals |
|
|
|
|
|
Property & Casualty |
|
|
|
|
|
Title |
|
|
|
|
|
Surplus Lines |
|
|
|
|
|
Fraternal |
|
|
|
|
|
Professional Employment Organizations |
|
|
|
|
|
Captives |
|
|
|
|
|
Risk Retention Groups |
|
|
|
|
|
Reinsurance |
|
|
|
|
|
Agencies (Including MGAs) |
|
|
|
|
|
TPAs (Third Party Administrators) |
|
|
|
|
|
Premium Finance Companies |
|
|
|
|
|
Joint Underwriting Associations |
|
|
|
|
|
Mortgage Guaranty |
|
|
|
|
|
Statistical Associations |
|
|
|
|
|
Lines of Business |
|
Financial Examination Experience |
|
Market Conduct Examination Experience |
|
Whole and Term Life |
|
|
|
|
|
Universal (Interest Sensitive)
|
|
|
|
|
|
Variable (Separate Accounts) |
|
|
|
|
|
Credit |
|
|
|
|
|
Annuities (Fixed and Equity Indexed) |
|
|
|
|
|
Health (Indemnity & HMO) |
|
|
|
|
|
Long-term Health Care |
|
|
|
|
|
Medical Supplement |
|
|
|
|
|
COBRA |
|
|
|
|
|
HIPPA |
|
|
|
|
|
Home Owners |
|
|
|
|
|
Commercial Property |
|
|
|
|
|
Commercial Liability |
|
|
|
|
|
Surety/Fidelity |
|
|
|
|
|
Medical Malpractice |
|
|
|
|
|
Workers Compensation |
|
|
|
|
|
Personal Injury Liability |
|
|
|
|
|
Automobile Physical Damage |
|
|
|
|
|
Automobile Liability |
|
|
|
|
|
Bail Bonds |
|
|
|
|
|
Marine |
|
|
|
|
|
PMI (Mortgage Protection Insurance) |
|
|
|
|
|
Professional E&O |
|
|
|
|
|