Finance AI Skill

Premium Liability Reserving

Calculate and manage insurance premiums, loss reserves, IBNR reserves, and liability estimates for insurance operations or companies with significant warranty/contingent liabilities. Use when pricing insurance products, estimating claim reserves, calculating IBNR, analyzing loss ratios, managing reinsurance arrangements, or preparing statutory financial statements for insurance entities. Triggers on phrases like "loss reserves", "IBNR", "insurance reserves", "claim reserves", "loss ratio", "premium calculation", "actuarial reserve", "unearned premium", "reserve adequacy", "stochastic modeling", "claim frequency", "claim severity".