Kerper-Bowron

We are an actuarial firm focused on F&I, captives, and self-insured programs. We created the Kerper Bowron Method (patent pending), a structural shift in service contract accounting and claim estimation. We manage and provide accounting for Producer Owned Reinsurance Companies. We evaluate property and casualty exposures, including service contracts, GAP, personal and commercial lines, and environmental reserving. Our actuaries have decades of experience. We provide: Statements of Actuarial Opinion F&I Products • Vehicle Service Contracts • GAP • Tire and Wheel • Theft Products • Other ancillary products Brown and White Service Contracts • Appliances • Consumer Electronics • Home • OEM programs • Other service contracts Other Lines • Private Passenger Auto • Homeowners • Commercial Lines • Workers’ Compensation • Environmental Reserving • Captive Insurance Additional Services • Generalized Linear Models and Predictive Modeling • Acquisition Due Diligence • Expert Testimony Kerper and Bowron is a leading provider of F&I actuarial analysis. The Kerper Bowron Method delivers a new framework for service contract accounting and claim estimation. It lets clients quantify the effect of changes in underlying warranties and see early development signals in immature contracts. We have deep experience with GAP insurance. We model how lending conditions and used-car market shifts affect loss ratios to give directional insight into a GAP portfolio. We also support other dealership products such as Tire and Wheel. We provide Statements of Actuarial Opinion, rate filing support, captive feasibility studies, valuations for acquisitions, and related actuarial services.