Actuarial Services · P&C · F&I
The numbers behind every confident decision.
Kerper Bowron is an actuarial, accounting, and insurance consulting firm specializing in property & casualty exposures — extended warranty, vehicle service contracts, GAP, personal and commercial lines, reinsurance accounting, captive feasibility, valuations, and expert testimony.
Why Kerper Bowron
Insight that lets you act before the contingency arrives.
Kerper Bowron offers superior actuarial expertise, creativity, and relentless service. The insight we provide enables our clients to anticipate contingencies and take effective action — the difference between mere business survival and ultimate organizational success.
Many of our clients have worked with us for decades because we make complex projections easy to understand, we transparently explain our processes and reasoning, and we consistently deliver actionable insights — whether supporting litigation, M&A due diligence, or program development.
World-class metrics
F&I Industry Actuaries
Recognized as one of the country’s top Finance & Insurance actuarial consultants for service contracts, GAP analysis, tire & wheel, theft products, warranties, and more.
Our actuarial models help clients evaluate risk exposure, pricing, and program performance across the full range of F&I products, with additional expertise in loss reserving and reinsurance accounting.
Beyond automotive
Other Service Contracts
- Appliances & electronics
- Furniture
- Home
- Original equipment manufacturers (OEMs)
- Other service contract programs
The best in the business
Other Lines of Actuarial Consulting
From loss reserving and pricing to compliance assessments and statements of actuarial opinion, our credentialed actuaries support the full spectrum of P&C business.
- Private passenger auto
- Homeowner
- Commercial lines
- Workers’ compensation
- Environmental reserving
- Captive insurance
Independent & conflict-free
Expert Witness Services & More
Kerper Bowron is an independent firm fully owned by its consultants. We provide objective, unbiased opinions — free of any conflict of interest — with deep knowledge of every step of the insurance process, from underwriting to claims.
Reinsurance Management & Accounting
Treaty administration, cession statements, and financial reporting for reinsurance programs.
Statements & Taxes
Annual statements and tax preparation for domestic and offshore companies.
Advanced Predictive Analytics
Pricing, projections, and program analysis powered by modern analytical methods.
Captive Feasibility Studies
Actuarial services for a wide range of business and government operations.
Statements of Actuarial Opinion
Credentialed opinions on loss and loss adjustment expense reserves.
Acquisition Valuation
Independent valuations supporting acquisitions and program transfers.
M&A Due Diligence
Reserve and pricing diligence that surfaces risk before you sign.
Expert Testimony
Litigation support and testimony from fully credentialed actuaries.
Rate Filings for P&C Products
Filing support and ratemaking across property & casualty lines.
Featured projects
Our work speaks for itself.
Patent-Pending Method Transforms Service Contract Accounting
A new approach projected to unlock over $20 billion for the $250B+ global extended warranty industry.
View project
When Do Legal Teams Need Litigation Support Services?
How actuarial expertise strengthens cases involving insurance, financial risk, or long-term obligations.
View project
VSC Retail Cost Components & Reserve Strategies
Understanding what drives vehicle service contract pricing — and how reserves should be structured.
View projectWe’re here for you
Let’s talk about your program.
Tell us what you’re working on — a new program, a reserve question, a filing, a dispute — and we’ll connect you with the right consultant.
kb@kerper-bowron.com
+1 (205) 588-4028
600 University Park Place, Suite 310
Birmingham, AL 35209