Best's Capital Adequacy Ratio Model - P/C, US
Minor Adjustments Can Have a Major Impact
Assess P/C insurers' capitalization levels across risk categories and understand how changing conditions impact the balance sheet.
About Best's Capital Adequacy Ratio Model - P/C, US
Best's Capital Adequacy Ratio (BCAR) depicts the quantitative relationship between an insurer's balance sheet and its operating risks. The BCAR Model product lets you evaluate an insurer's capitalization and risk profile with a model that is consistent with the methodology used by AM Best analysts, to capture the combined impact of financial risks associated with adverse market conditions.
Benefits of Best's Capital Adequacy Ratio Model - P/C, US
Use this model in planning for your organization's capital needs and to help manage regulatory capital needs.
Determine if an insurer's available capital is adequate against eight risk categories and five value at risk (VaR) scenarios.
Find out which risks create more required capital at each VaR level.
Use the Investment Testing and Credit Risk Testing pages to model changes in your investment portfolio and reinsurance programs.
Run multiple adjustments to any insurer’s balance sheet. Change parameters and capital charges at each VaR and generate insightful reports.
Access preloaded statutory data for all US property/casualty insurers.
Create stressed records for Natural Catastrophe, Terrorism or Surety.
Solution For
- Insurers
- Reinsurers
- Brokers
- Consultants
- Asset Managers
- Risk Managers
- Ratings Advisory
- Actuaries
Product Features
- An online application offering access to a capital model consistent with the methodology used by AM Best analysts for US P/C statutory data
- Access to current-year data plus data from the prior year
- The latest criteria and pre-loaded statutory data relevant to model analysis
- Visual display and comparison of base adjusted and Stress BCAR scores at the five VaR levels
- Print/export BCAR Records in Excel/PDF formats
- Options to view and apply multiple adjustments in one step or at one time
- Run a new BCAR and include additional factors for Mortgage BCAR in B5, as well as Terrorism and/or Surety in B8
Easily manage user access to your multi-user and unlimited licensed subscriptions with our powerful Group License Management Tool.