610.892.1824 (PA)
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   Location: Staff
 
 
Staff

Ronald T. (Rusty) Kuehn

Maureen S. Ruth

Todd H. Dashoff

Conrad Membrino

Rhonda Hellman

Steve Lesser

Alan M. Pakula

James A. (Jim) Hall, III

Jane C. Taylor

Melissa Houck

Blaine Marles

Frank Sullivan

David Milliner

Michelle Smith

Carolyn Kuehn

 

Ronald T. (Rusty) Kuehn  FCAS, MAAA, CPCU, ARM, FCA
Consulting Actuary

Mr. Kuehn is a Fellow of the Casualty Actuarial Society and the Conference of Actuaries in Public Practice, a Member of the American Academy of Actuaries and the International Actuarial Association. Mr. Kuehn has served as a Partner at a big-four accounting firm. He has 36 years of experience in property-casualty lines of business and distribution systems, and has sat on various industry committees.

Mr. Kuehn has been involved in actuarial consulting projects including:

  • Ratemaking and Loss reserving studies for physician owned Health Care Liability Insurance providers
  • Health Care professional liability rate filing analysis for state insurance departments
  • Health Care professional liability rate filing testimony for interveners.
  • Valuation for book of reinsurance business for property-casualty multi-line insurance companies
  • Design of property-casualty company strategic planning model used by clients.
  • Represented a major dental association negotiating with a state insurance department concerning dentists professional liability insurance
  • Worked for Insurance Departments in valuing the assets of insolvent property-casualty insurance carriers
  • Annual statement loss reserve certifications for various insurance companies
  • Merger and acquisition valuation and strategic analysis for clients wishing to purchase insurance companies and insurance agencies
  • Risk management analysis for major corporate clients
  • Reinsurance program analysis for a major property-casualty insurance company including: Preparation of bidding specifications, broker review and selection, reinsurance bid analysis

Mr. Kuehn served on the Examination Committee and the Committee for Consultants' Interests of the Casualty Actuarial Society, and as past president, education chairman and board member of the Casualty Actuaries of the Mid-Atlantic Region. Mr. Kuehn has also served as a member of the Conference Task Force on Public Policy Debate of the Conference of Actuaries in Public Practice. Mr. Kuehn currently serves on the board of the Insurance Society of Philadelphia and the board of CAMAR.

Mr. Kuehn received his B.A. Degree in Mathematics from Loyola College in Maryland.

610.892.1823
rusty.kuehn@hugginsactuarial.com

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Maureen S. Ruth  ACAS, MAAA
Consulting Actuary

Maureen Ruth is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Ms. Ruth has served as a Manager of Actuarial Services for a big four accounting firm. Prior to this, she held actuarial management positions at both a small regional commercial lines carrier and a large, international property and casualty company. Ms. Ruth has over 21 years of experience in the actuarial field.

Ms. Ruth has extensive experience in various areas including:

  • Commercial lines reserving, with concentration in medical malpractice
  • Personal and commercial lines ratemaking
  • Reinsurance commutations
  • Strategic planning
  • Product development
  • Financial reporting and measurement
  • Financial projections and modeling

Ms. Ruth has worked not only on consulting assignments in the United States, but has also been involved with projects in the United Kingdom, Bermuda, Puerto Rico, and Australia. Her clients have included self-insured entities, captive insurance companies, and state regulatory authorities, in addition to property-casualty insurance and re-insurance companies.

Prior to entering actuarial consulting, Ms. Ruth was involved in various areas of property and casualty insurance company actuarial operations, with an emphasis on profitability analysis and strategic planning. Ms. Ruth holds a Bachelor of Science in Mathematics from St. Joseph’s University in Philadelphia.

610.892.1825
maureen.ruth@hugginsactuarial.com

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Todd H. Dashoff  ACAS, MAAA, ARM
Consulting Actuary

Mr. Dashoff is an Associate of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and an Associate in Risk Management. He has served as a Manager in the Actuarial Services practice of a big four accounting firm. Prior to that, he was an actuary for a major property-casualty insurance company located in the Mid-Atlantic region of the United States. Mr. Dashoff has 25 years of experience in the actuarial field.

Mr. Dashoff has been involved in actuarial consulting projects including:

  • Reserving and ratemaking analyses for major medical malpractice carriers
  • Evaluations of effects of legislative changes on medical malpractice carriers
  • Analyses of incurred but not reported (IBNR) reserve requirements under SOP 87-1 for Pennsylvania and New Jersey hospitals
  • Actuarial analysis for formation of a medical risk retention group
  • Pricing for municipal joint insurance funds and self-insured medical liability programs
  • Reserve analyses for direct writers and reinsurers
  • Evaluations of pro-rata, excess and loss portfolio transfer reinsurance programs for insurance carriers
  • Development of computer program to account for effect of new tax law changes on ratemaking system

Prior to entering actuarial consulting, Mr. Dashoff was involved in various areas of property-casualty insurance company actuarial operations, with an emphasis on private passenger automobile pricing and reserving.

He received a M.A.S. Degree in Actuarial Science from Georgia State University. Mr. Dashoff also received a B.S. Degree in Economics from Wharton School, University of Pennsylvania.

610.892.1826
todd.dashoff@hugginsactuarial.com

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Conrad Membrino  ACAS
Consulting Actuary

Mr. Membrino is an Associate of the Casualty Actuarial Society. He has over 23 years of experience in property casualty insurance, and is an expert in database software systems.

Mr. Membrino has been involved in actuarial consulting projects including:

  • Re-rating personal auto policies on an individual basis in order to calculate earned premiums at present rates by accident year and territory
  • Developed Written/Earned Premiums/Exposures by state, territory, agent and agent branch
  • Developed with P/C SAS and installed JCL mainframe reading GDG files and creating SAS datasets. Also made update program to update SAS datasets from latest GDG and gave instructions to user
  • Designed, tested and installed SAS programs on mainframes to run yearly request by a State’s Insurance Department
  • Specified data request to create an automated rating system, consisting of almost 20 SAS programs
  • Automated to calculation of class relativities for physician class and territory with SAS

During Mr. Membrino’s early career, he was involved in many academic pursuits, such as a college math/computer-language teacher, as well as actuarial consulting for a large Insurance company. There, he worked on determination of rate changes on a statewide and territorial basis based upon loss experience, trending, loss development, and earned premiums for each territory of property-casualty actuarial operations, with an emphasis on private passenger automobile pricing and reserving.

Mr. Membrino received his B.S. Degree in Mathematics at the University of Connecticut, and served as an A.S. in Data Processing Department at Waterbury State Technical College.

610. 892.1827
conrad.membrino@hugginsactuarial.com

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Rhonda Hellman  ACAS, MAAA
Consulting Actuary

Rhonda Hellman is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Prior to joining Huggins in 2004, Ms. Hellman was a consulting actuary in the Insurance Advisory and Actuarial Services group of Ernst & Young, LLP, a senior actuarial analyst in the Excess & Select actuarial department of the property-casualty division of CNA Insurance, and a senior actuarial analyst in actuarial department of CIGNA. Ms. Hellman has over 18 years of experience in the actuarial field.

Ms. Hellman has been involved in actuarial consulting projects including:

  • Calculation of workers’ compensation overall pure premium and classification pure premium for state funds
  • Calculation of workers’ compensation experience modification factor for state funds
  • Creation of workers’ compensation model for calculation of outstanding liabilities for individual self-insureds
  • Calculation of outstanding liabilities for individual self-insureds
  • Ratemaking and outstanding liabilities analysis for municipal pools
  • Assisting regulators with workers’ compensation self-insurance requirements in South Dakota and West Virginia
  • Pricing primary and excess layers on a per occurrence basis for workers’ compensation, general Liability and auto liability for cash-flow policies for fortune 1000 companies
  • Filing and pricing of workers’ compensation large risk deductibles
  • Conducting reserves reviews for all lines for exposure in Japan, Latin America, and New Zealand
  • Programmed computational models for projection and pricing systems

Ms. Hellman received a Bachelor of Arts degree in Mathematics from Bryn Mawr College.

610.892.0182
rhonda.hellman@hugginsactuarial.com

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Steve Lesser  FCAS, MAAA
Consulting Actuary

Steve Lesser is a Fellow of the Casualty Actuarial Society. Mr. Lesser served as chief actuary for AIG Private Client Group, a profit center specializing in insurance products and risk management services for high net worth individuals. Prior to that, Mr. Lesser directed actuarial services for CIGNA Property and Casualty's recreational marine unit, where he made pricing and reserving recommendations for boat, yacht and marina products. Mr. Lesser also has provided actuarial support for other products including workers' compensation. Mr. Lesser has over 13 years of experience in the actuarial field.

Mr. Lesser has extensive experience in various areas including:

  • Development of forms, rates and rating plans for new personal lines products
  • Implementation of countrywide product filings
  • Acquisition valuation of books of business
  • Financial analysis and reserve reviews
  • Competitive analysis for new and existing products
  • Development of agent profit-sharing agreements

Mr. Lesser received his Bachelor of Science in Mathematics from the University of Michigan. He is an actuarial exam seminar instructor for the Casualty Actuaries of the Mid-Atlantic Region (CAMAR).

steve.lesser@hugginsactuarial.com

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Alan M. Pakula  ACAS, MAAA
Consulting Actuary

Alan M. Pakula is an Associate of the Casualty Actuarial Society, and a Member of the American Academy of Actuaries. He has served as a Managing Actuary at the New Jersey Department of Banking and Insurance. Prior to that, he was an actuary for the Reliance Insurance Company. Mr. Pakula has over 13 years of experience in the actuarial field.

Mr. Pakula has been involved in actuarial projects including:

  • Insurance company and bureau rate filings for private passenger auto, homeowners, medical malpractice and personal umbrella lines of business
  • Personal and commercial lines reserving for all lines of business including international areas
  • Large account pricing specializing in the workers compensation, general liability and auto liability lines
  • Drafting insurance department regulations in the homeowners and private passenger auto lines of business for the New Jersey Department of Banking and Insurance
  • Evaluation of effects of both implemented and proposed legislative and regulatory changes
  • Forecasting future cash-flow patterns for planning purposes
  • Advising a governor-appointed committee charged with developing new systems of providing private passenger automobile insurance in New Jersey
Mr. Pakula has worked not only on consulting assignments in the United States, but has also been involved with reserving projects in Canada and the United Kingdom.

Mr. Pakula holds a B.A. in Mathematics and Economics from Franklin and Marshall College in Lancaster, Pennsylvania.

610.892.1849
alan.pakula@hugginsactuarial.com

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James A. (Jim) Hall, III  FCAS, MAAA, FCA
Consulting Actuary

Mr. Hall is a Fellow of the Casualty Actuarial Society (CAS) and the Conference of Actuaries in Public Practice, a Member of the American Academy of Actuaries (AAA), and the International Actuarial Association. Mr. Hall has served as a partner of Coopers & Lybrand (C&L), and as Managing Partner of that firm’s US casualty actuarial and risk management consulting practice, which he founded in 1979. He has 38 years of experience in the property-casualty business, including 11 years with primary insurers, 6 years in reinsurance and 23 years as an independent actuarial consultant.

Mr. Hall’s professional experience includes:

  • Commercial casualty product management, including workers compensation, commercial auto and general liability, and professional liability
  • Personal lines product development and regulatory compliance (rate and form filings with state regulators)
  • Reserve and profitability studies in both a periodic financial reporting context, and as part of due diligence in a merger-and-acquisition (M&A) setting. With the tax and valuation specialists of C&L, Mr. Hall developed a model of future cash flows to be used for valuation of insurers or business segments for identifying depreciation benefits available under Section 338 of the tax code. This model was used in a number of significant M&A transactions.
  • Specialty insurer design and product development and on-going program management for a number of programs created to meet extreme market needs, either as captive insurance solutions or as for-profit insurers organized by and for entrepreneurs. In the captive insurer context, this actuarial work was initially presented as a feasibility study, and subsequent work involved interaction with bankers, reinsurers, and ongoing professional insurer management
  • Transaction design, including risk transfer testing under FAS 113 as employed by regulators and financial reporting professionals
  • Risk management analysis for major clients
  • Testimony as an expert witness in disputed insurance matters subject to either regulatory or civil procedures

Mr. Hall has served on numerous industry groups such as statistical agent and state rate bureau committees and pro-bono groups such as the Casualty Actuarial Society examination committee and other CAS committees, and also served in the organizing committee for the first several annual Casualty Loss Reserve Seminars co-sponsored by the CAS and the AAA.

Mr. Hall earned his Bachelor of Science in Mathematics from Loyola College in Baltimore.

802.865.4357
jim.hall@hugginsactuarial.com

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Jane C. Taylor  FCAS, MAAA, JD
Consulting Actuary

Ms. Taylor is a Fellow of the Casualty Actuarial Society (CAS) and a Member of the American Academy of Actuaries (AAA). Ms. Taylor’s experience includes responsibilities as a Senior Manager of KPMG Peat Marwick, LLP, a Corporate Senior Vice President of Actuarial Standards at the Reliance Insurance Group, and a Vice President with Huggins Financial Services, Inc. She has over 36 years of experience in the reinsurance and insurance industry encompassing pricing and reserving for both primary and reinsurance companies involving legal, medical, and accountant malpractice; financial guaranty and other “specialty” coverages as well as the more standard coverages. On the legal side, she is also a Member of the American, Connecticut, and a New Jersey Bar Associations.

Ms. Taylor’s professional experience includes:

  • Pricing and reserving for primary companies including legal, medical, and accountant malpractice; D&O and E&O; excess and umbrella; financial and mortgage guaranty insurance; and the more standard coverages
  • Performing FAS 113 / SSAP 62 risk transfer analyses for reinsurance contracts to assure compliance with accounting requirements
  • Pricing, monitoring, and reserving treaty and facultative reinsurance on both assumed and ceded business, including portfolio transfers, commutations, and evaluating loss sensitive contracts
  • Providing litigation support for disputes involving insurance company litigants
  • Conducting the actuarial portion of triennial insurance department audits for various insurance departments
  • Analyzing loss and loss expense reserves of multi-line property and casualty companies as part of reserve certifications and as part of reinsurance security analyses
  • Supporting merger and acquisition activities for a variety of insurance entities including clients writing medical malpractice, reinsurance, excess and surplus lines, and primary coverage
  • Assisting risk retention groups, captives, trust funds, and specialty insurers in start-up operations including ratemaking, policy design, rating protocol, reserves, and reinsurance needs
  • Establishing asbestos and environmental reserves for a major multi-line insurance company and reviewing various environmental models
  • Performing claims audit work for non-insurance clients and establishing claims administration procedures for specialty companies

Ms. Taylor she has served terms on various committees designed to further the respective professions; as the Chair for American Academy of Actuaries Working Group on Risk Transfer Issues, a Director for the Board of Directors of the Actuarial Education and Research Fund, and a Member for the Syllabus Committee of the Casualty Actuarial Society, the Casualty Loss Reserve Seminar Committee, the Casualty Ratemaking Committee, and the American Bar Association Standing Committee on Legal Liability.

Ms. Taylor holds a BS in Statistics from Virginia Polytechnic Institute and State University, a MS in Statistics from Virginia Polytechnic Institute and State University, and a JD from University of Connecticut School of Law.

856.223.9250
jane.taylor@hugginsactuarial.com

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Melissa Houck  ACAS, CPA, MBA 
Consulting Actuary

Melissa Houck is an Associate of the Casualty Actuarial Society and a Certified Public Accountant. Prior to joining Huggins in 2005, Ms. Houck was an Actuarial Vice President at the United National Insurance Company. Before that, Melissa was consulting actuary and manager at Ernst & Young, LLP, a senior actuarial analyst in the PMA Group, and a senior actuarial analyst in actuarial department of Cigna Corp. She also has been an accountant with Cigna Corp and the United National Insurance Company. Ms. Houck has over 18 years of experience in the actuarial field.

Ms. Houck has been involved in actuarial consulting projects including: 

  • Workers' Compensation, Medical Professional Liability, General Liability, Auto Liability and Products Liability
  • Homeowners and Commercial Package, Property and Auto Physical Damage
  • Asbestos & Environmental 
  • Retro premium
  • Reinsurance structuring studies
  • Size-of-loss analysis
  • Preparation and forecasting of statutory reserve development schedules
  • Supervision and counseling of employees
  • Worked directly with the following client types: self-insured groups, State funds, multi-line insurance carriers, captive and non-profit groups 

Ms. Houck received a B.S. in Quantitative Business Analysis from Pennsylvania State University, and also received a Masters of Business Administration from Drexel University. Ms. Houck has also been a Certified Public Accountant in Pennsylvania since 1986.

melissa.houck@hugginsactuarial.com

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Blaine Marles  FCAS, MAAA 
Consulting Actuary

Blaine Marles is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Prior to joining Huggins, Mr. Marles served as a Vice President and Actuary at Harleysville Insurance Companies. He has held various actuarial management positions at Harleysville for over 25 years, and prior to that served as an Underwriter and Actuarial Analyst for Harleysville. Mr. Marles has 28 years of experience in the actuarial field.

Mr. Marles has extensive experience in various areas including:: 

  • Loss reserving of all personal and commercial lines
  • Appointed Actuary for several regional insurance companies
  • Financial projections and modeling
  • Financial reporting and measurement
  • Automation of IBNR allocation process
  • Strategic planning
  • Product and business development
  • Creating alternative actuarial tools to analyze claim data

Mr. Marles has been involved in various actuarial associations. He has been a member of the NCCI Joint Pool Reserving Committee, and a member of the Casualty Actuaries of the Mid-Atlantic Region. Mr. Marles graduated with a Bachelor of Science in Mathematics at Lehigh University in Bethlehem, Pennsylvania.

blaine.marles@hugginsactuarial.com

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Frank Sullivan Ph.D.
Assistant Actuary

Dr. Sullivan is an Assistant Actuary who completed a Ph.D. in the mathematics of dynamical systems. Prior to joining Huggins in 2007, Dr. Sullivan was a Senior Associate Actuary at the Highlands Insurance Company. Before that, Frank was an Assistant Vice President at Marsh and McLennan, and an Actuarial Consultant for the Insurance Services Office (ISO). Frank has also been an Assistant Professor of Mathematics at Fairleigh Dickinson University, and before that, at Pace University. Frank has over 18 years of experience in the actuarial field.

Dr. Sullivan has been involved in actuarial consulting projects including:

  • Lines of business include general liability, workers compensation, automobile liability, commercial multi-peril, homeowners, asbestos, environmental and third party liabilities
  • Quarterly reviews of a quarter billion dollars in property-casualty liabilities
  • Pricing and reserving analysis to self-insured clients and entities
  • Involvement in various mass tort valuation studies
  • Annual Schedule P preparation
  • Research and development projects improving procedures for increased limits ratemaking
  • Expert user of Access, Excel and @RISK Monte Carlo simulation software

Dr. Sullivan received a Ph.D. in Mathematics at the University of North Carolina at Chapel Hill. He also received a Masters of Science in Mathematics at the University of North Carolina at Chapel Hill. Frank received his Bachelor of Arts in Mathematics at the State University of New York at Albany. Frank has completed four CAS exams.

610.892.2808
frank.sullivan@hugginsactuarial.com

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David Milliner  MCP
Systems Administrator / Actuarial Technician

David Milliner is a Systems Administrator and Actuarial Technician based in the firm’s Media PA office. Prior to joining Huggins Actuarial, he was an Information Technology consultant and part owner of an educational technology firm.

Mr. Milliner has been involved in actuarial consulting projects including:

  • Year-end/Quarterly reviews and ratemaking analyses for major medical insurance carriers
  • Proposal and engagement composing for actuarial business contracts
  • Computer network architecture design and implementation
  • Actuarial computer application improvements and training
  • Network Administration and system security

Prior to entering actuarial consulting, Mr. Milliner was involved in various areas of information technology consulting, and systems/network consulting, along with Management and Marketing. He received his B.S. Degree in Business at Loyola College in Maryland.

610.892.1824
dave.milliner@hugginsactuarial.com

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Michelle Smith
Actuarial Assistant 

Ms. Smith has served as a senior actuarial analyst with the property-casualty actuarial and risk management unit of Ernst & Young, LLP. Prior to this, she held an actuarial consulting position at Reliance Insurance Company. Ms. Smith has 17 years of experience in the actuarial field.

Ms. Smith has extensive experience in various areas including:

  • Personal and commercial loss and LAE reserving
  • Special risk/large accounts pricing
  • Consulting for non-domestic reinsurance firms
  • Assisting in expert testimony research for litigation support
  • Insolvency cases research for major firms
  • Loss development pattern research and analysis
  • Quality control analysis and implementation
  • Audit Support

Ms. Smith holds a Bachelor of Science Degree in Mathematics, with a minor in statistics, from the Pennsylvania State University.

michelle.smith@hugginsactuarial.com

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Carolyn Kuehn
Actuarial Technician 

Carolyn Kuehn is an Actuarial Technician with Huggins Actuarial Services, Inc.. Prior to joining Huggins, she was a certified mathematics instructor in secondary level public education with the Philadelphia County Pennsylvania school system.

Ms. Kuehn has been involved in actuarial consulting projects including:

  • Annual and quarterly reserve reviews
  • Industry research, rate comparison calculations, and loss runs
  • Board of Directors Meeting presentations, handouts, and reports
  • Administrative/Office tasks and correspondence
  • Drafting engagement/proposal letters and client mailings

Ms. Kuehn holds a Pennsylvania Instructional I Teaching Certificate, Secondary Mathematics which she earned from the Drexel University Graduate School of Education in Philadelphia, PA. Ms. Kuehn also graduated with a Bachelors of Arts Degree in Business Administration from Franklin & Marshall College in Lancaster, PA.

610.892.5010
carolyn.kuehn@hugginsactuarial.com

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