What Merlinos & Associates does

Merlinos & Associates is a US-based property and casualty actuarial consulting firm founded in 1988 and headquartered in Peachtree City, with 101-250 employees. The firm delivers actuarial advisory services to insurance carriers, alternative risk entities, state insurance departments and regulators, managing general agents (MGAs) and program administrators, and specialty clients including vehicle manufacturers. Core offerings span Insurance Carriers Consulting, Alternative Risk Consulting, Regulatory Consulting (examinations, rate filing reviews, market conduct investigations), Program Administration (facilitating introductions among fronting carriers, reinsurers, Insurtech providers, and third-party administrators), Specialty Services (warranty, service contracts, credit product consulting), and Product Development & Compliance (multi-state rate filings, program expansion).

The firm's core technology is actuarial consulting itself — applied statistical and financial modeling for pricing, reserving, feasibility studies, and regulatory compliance across P&C exposures. No proprietary software products, patents, or AI/ML systems are disclosed in the source data. The firm operates under the "Davies Insurance Solutions" doing-business-as name, linking it to Davies Group Ltd., a UK-domiciled private professional services and technology business serving insurance and highly regulated markets, with 8,500+ professionals across 20+ countries. This affiliation suggests back-office scale, cross-geography capability, and access to adjacent services (claims, legal, forensic accounting, technology) that Merlinos can leverage, though Merlinos-specific revenue, pricing, and financial metrics are not disclosed.

The business model is professional services consulting delivered through direct client engagements (bottom-of-funnel direct inquiry via website contact), with no publicly disclosed pricing, contract structures, or revenue figures. Customer segments are segmented horizontally by use case rather than by industry vertical, and the firm positions itself as a "trusted advisor" extending beyond traditional actuarial number-crunching into broader advisory on underwriting, claims, finance, loss control, and sales. No public funding, M&A activity, leadership changes, or partnership announcements specific to Merlinos are present in the source data.

Name

Merlinos & Associates

Legal name

Davies Group Ltd.

Website

https://merlinosinc.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

Merlinos & Associates is a US-based property and casualty actuarial consulting firm serving insurance carriers, state regulators, MGAs, and self-insured entities with regulatory, pricing, feasibility, and program administration services, operating under the Davies Insurance Solutions brand.

Ownership category

akta.pro rank

Product category

Actuarial Consulting Services

NAICS

Management Consulting Services (54161)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Risk, Compliance & Internal Controls Consulting (BPAHACAJ)

Keywords

• Actuarial consulting services
• Property casualty insurance
• Insurance regulatory consulting
• Alternative risk consulting
• Insurance program administration

Headquarters

HQ city

Peachtree City

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Distribution channels1 record

Marketing channels1 record

Core offering

Merlinos & Associates is an actuarial consulting firm that provides property and casualty actuarial services to insurance carriers, state insurance regulators, self-insured entities, MGAs, and program administrators. Its offering covers insurance carrier consulting, alternative risk consulting, regulatory consulting, program administration facilitation, specialty warranty/service contract consulting, and product development and compliance support. The firm operates as part of Davies Group, doing business as Davies Insurance Solutions.

Product overview

Davies Insurance Solutions offers a comprehensive suite of actuarial consulting services primarily through its Property & Casualty Actuarial Solutions practice. The offering consists of multiple specialized service areas including Insurance Carriers Consulting, Alternative Risk Consulting, Regulatory Consulting, Program Administration, Specialty Services, and Product Development & Compliance. These services are designed to support clients across the insurance ecosystem including insurers, state regulators, self-insured entities, and MGAs.

Differentiator

Problem solved

Functional benefit

Products and services

• Property & Casualty Actuarial Solutions
• Insurance Carriers Consulting
• Alternative Risk Consulting Consulting services for alternative risk entities covering feasibility studies, competitive market benchmarking, pricing models, and recommendations on limits, retentions, and coinsurance percentages for excess insurance and reinsurance structures.
• Regulatory Consulting Actuarial services for state insurance departments and regulatory agencies, including independent examinations, rate filing reviews, market conduct investigations, policy analysis, and troubled company assistance.
• Program Administration Services for MGAs, program administrators, and Insurtech solution providers that facilitate introductions and connections across fronting carriers, reinsurers, policy administration companies, third-party administrators, and audit support providers for insurance program implementation and operation.
• Specialty Services (Warranty, Service Contract, and Credit Product Consulting) Warranty, service contract, and credit product actuarial consulting for insurance regulatory bodies, insurance companies, and vehicle manufacturing clients.
• Product Development & Compliance Product development and regulatory compliance services covering county-wide filing needs, program expansion into new states, and coordination of annual rate filings.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Aon: Global professional services firm with insurance consulting and actuarial advisory capabilities embedded within its broader brokerage and reinsurance intermediation business — a scaled incumbent competing for risk and regulatory advisory work.
• Willis Towers Watson (WTW): Global insurance brokerage and advisory firm providing actuarial consulting, risk consulting, and regulatory advisory alongside its core brokerage business — a much larger competitor with overlapping P&C actuarial capabilities.
• PwC (Insurance Consulting): Big Four firm with an insurance practice offering actuarial services, regulatory advisory, and risk consulting for P&C carriers — a scaled competitor targeting the same insurer and regulatory client base.
• EY (Insurance Consulting): Big Four firm with insurance advisory services spanning actuarial consulting, regulatory compliance, and finance transformation for P&C carriers — competing for the same enterprise risk and regulatory mandates.
• Deloitte (Insurance Consulting): Big Four firm with a global insurance industry practice providing actuarial transformation, regulatory compliance, and risk consulting to P&C carriers and regulators — broader portfolio but directly comparable actuarial services.
• KPMG (Insurance Consulting): Big Four firm offering actuarial, regulatory, and risk advisory services to insurance carriers and regulators — broader portfolio but overlapping service lines with Merlinos on regulatory examinations and rate filings.

Direct peers

• Pinnacle Actuarial Resources: Mid-market actuarial consulting firm specializing in property and casualty insurance, serving insurers, regulators, and MGAs — the closest headcount and niche competitor to Merlinos.
• Milliman: Global actuarial and consulting firm providing property and casualty actuarial services, regulatory consulting, and product development advisory to insurers and regulators — directly overlapping with Merlinos' core P&C actuarial practice.
• Oliver Wyman: Management consulting firm with a dedicated insurance practice offering actuarial advisory, regulatory support, and strategic consulting to P&C carriers and reinsurers — competing directly with Merlinos for insurer consulting mandates.

Emerging players

• Munich Re / Hartford Steam Boiler actuarial units: Reinsurance carriers with embedded actuarial advisory arms serving direct and facultative clients on pricing, feasibility, and reinsurance structuring — adjacent competitors for Merlinos' alternative risk and reinsurance advisory work.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/merlinosinc
• Facebookfacebook.com/MerlinosAndAssociates

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Merlinos & Associates