Precision Actuarial Work. When the Stakes Are High.
Taylor & Mulder delivers expert actuarial consulting services to insurers, corporations and institutions that require rigorous analysis, regulatory fluency, and direct access to senior expertise
We Work With Organizations That Require Solutions.
Our clients operate in high-stakes environments where actuarial insights produce regulatory, financial, and reputational success.
Property & Casualty Insurance Companies
Property & Casualty insurers and reinsurers, captives, RRG's, and specialty carriers requiring reserve opinions, pricing studies, regulatory state filings, predictive modeling and enterprise risk management.
Self-Insurers
Self-insured corporations, hospitals, associations and organizations managing risk across general liability, property, workers' compensation, automobile, and complex long-tail liability exposures.
Law Firms
Law firms requiring actuarial expert witness testimony in legal disputes between insurers, brokers, underwriters, and brokerage firms.
Departments of Insurance
Insurance departments requiring actuarial support in reviewing Property & Casualty rate filings and statistical models, performing financial examinations, and reviewing regulatory policies.
Specialized Industries
Transportation, construction, hospitals, physician groups, underground storage, tanks, coal, reclamation, funds, accounting, audits, and other industries with complex, challenging risk profiles.
Explore Further
See all industries we serve
Time-Sensitive Needs
Facing a Tight Deadline or a Short-Term Capacity Crunch?
We provide services to a number of long-term, on-going clients, and assist these clients as unexpected issues arise. But we also recognize that problems requiring fast solutions may be needed for current non-clients.
We're here for you. Whether you need a signed actuarial opinion, an independent reserve review, or qualified actuarial support for complex rate filings or expert witness services for legal issues, Taylor & Mulder responds with urgency without sacrificing rigor. Our principals are directly involved in every engagement from day one.
Estimating liabilities accurately involves experienced actuaries combining disciplined analysis with contextual understanding of company processes and structure.
Predictive Analytics & Statistical Modeling
Modern actuarial work increasingly involves complex statistical modeling and machine learning to better understand patterns in claims data and provide more accurate solutions.
Rate-Making
Effective insurance pricing depends on actuarial models that translate risk characteristics and historical loss experience into fair and adequate rating structures, including regulatory state filings.
Self-Insurance Program Evaluation & Risk Financing
Organizations must carefully balance retained risk and insurance transfer, using actuarial analysis to structure programs that are financially sound and strategically appropriate.
Actuarial Expert Testimony & Regulatory Support
Independent actuarial expertise plays a key role in rate hearings, arbitrations, audits, and litigation, providing technically sound analyses that can withstand scrutiny in adversarial legal settings.
Specialized Insurance & Risk Programs
Certain industries, municipal pools, residual risk pools and public programs require highly specialized actuarial approaches to model long-tail liabilities and unique regulatory risk structures.
Enterprise Risk Management
An effective holistic analysis of risk enables better capital adequacy monitoring, promotes more optimal decision-making and prioritizes and mitigates potential problems, satisfying key internal, rating agency, and regulatory stakeholders.
The largest actuarial consulting practices are built for volume. Taylor & Mulder is built for depth. We provide personalized service on all of our engagements to ensure every client receives the full attention, judgment, and expertise they require.
"Our clients don't want a report. They want a partner who understands the full picture, and can defend the numbers."
— Managing Principal, Taylor & Mulder
Senior Expertise on Every File
At large firms, junior analysts handle your work. At Taylor & Mulder, a credentialed principal leads every engagement, from scoping to final signature.
Boutique Speed, Institutional Rigor
We move at the pace your deadlines demand. Our structure eliminates bureaucratic delay without compromising methodological standards.
Deep Specialization
We don't offer actuarial work as a commodity. Our work is tailored to each client's needs. We've built depth in specific lines and industries where precision is non-negotiable.
Transparent, Direct Communication
You speak with the actuary signing your report, not a project manager or account executive. Always.
The Team
Our Actuaries
Every client engagement is led by a credentialed, senior actuary. No delegation to junior staff.
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
view bio →
Daniel Lupton
VP & Senior Consulting Actuary
Predictive Analytics · Rate Filing Review
FCAS actuary and Certified Specialist in Predictive Analytics with extensive experience reviewing insurance rate filings and advising regulators, insurers, and self-insured entities.
Roger Sarvate
Senior Consulting Actuary
Reserving & Financial Analysis
ACAS and ASA actuary advising insurers and risk-bearing organizations on loss reserving, financial risk evaluation, expert witness testimony and actuarial modeling.
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
view bio →
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
E. Toni Mulder
Founding Principal
Loss Reserving · Pricing · Regulatory Actuarial Opinions
FCAS actuary with 45+ years advising insurers, governments and captives on loss reserving, pricing, regulatory filings and complex long-tail liability exposures.
The NAIC’s updated Statement of Actuarial Opinion requirements place increased responsibility on appointed actuaries and raise expectations around reserve documentation, methodology support, and overall actuarial governance. Regulators are placing greater focus not only on the conclusions being reached, but also on the reasoning, assumptions, and processes used to support those conclusions. As a result, carriers […]
Recognizing Pattern Instability The first discipline is diagnostic, not mechanical. Before selecting development factors and applying any method, the actuary must assess whether the historical data reflects conditions similar enough to the current environment to be predictive. This is harder than it sounds. Loss triangles can show apparent stability even as the underlying drivers of […]
Actuarial testimony in bad faith and coverage disputes has grown more complex. We outline the standards governing expert opinions and the common errors that undermine credibility in litigation.
The City of Hampton has trusted Taylor & Mulder with our property and casualty actuarial services for years. We value their experience, extensive knowledge, and professionalism. They are definitely experts in their field.
Patricia Parker
City of Hampton, VA
Daniel Lupton is proactive, caring, and accurate — and he follows up with us throughout the year to ensure that everything is reconciling with audits and outside agencies. We have retained Taylor & Mulder since 2008 and will continue to do so.
Jonathan McGuire
Philadelphia Parking Authority
Our public entity pool has been partnering with Taylor & Mulder for nine years. We have found them to be uniformly responsive and professional. Their analysis is complete and recommendations are clear.
David Harmer
Virginia Transit Liability Pool
The City of Hampton has trusted Taylor & Mulder with our property and casualty actuarial services for years. We value their experience, extensive knowledge, and professionalism. They are definitely experts in their field.
Patricia Parker
City of Hampton, VA
Daniel Lupton is proactive, caring, and accurate — and he follows up with us throughout the year to ensure that everything is reconciling with audits and outside agencies. We have retained Taylor & Mulder since 2008 and will continue to do so.
Jonathan McGuire
Philadelphia Parking Authority
Our public entity pool has been partnering with Taylor & Mulder for nine years. We have found them to be uniformly responsive and professional. Their analysis is complete and recommendations are clear.
David Harmer
Virginia Transit Liability Pool
Work With Us
Work With Experienced Actuaries Ready to Take Ownership.
Taylor & Mulder accepts new client engagements each year. If you have an immediate need or want to discuss a future engagement, we'd like to hear from you.
All the pages you see here are built with the sections & elements included with Atomic. Import any page or this entire site to your own Oxygen installation in one click.
