Kyle M. Hales, ACAS, MAAA

• Principal & Consulting Actuary
  Director | Risk Strategies & Solutions

Kyle M. Hales is a Principal & Consulting Actuary with Perr&Knight. Kyle also leads Perr&Knight’s Risk Strategies & Solutions practice. In this role, Kyle assists clients with creating business plans, pro-forma financial statements, and roadmaps intended to provide them with an outline of the costs, timing, and steps necessary to take their insurance idea from concept to reality. This includes developing pitch-decks aimed at presenting these ideas to potential business partners and insurance carriers.

Kyle’s commercial lines actuarial ratemaking experience includes pricing and product development for multiple innovative insurance programs, including but not limited to crypto currencies, cell phones, weather programs, service products, cyber programs, cannabis, and aviation programs. His commercial lines ratemaking experience also extends to independent and bureau-based BOP, commercial multi-peril, general liability, medical malpractice, including hospitals, physicians, allied healthcare professionals, professional liability, commercial automobile, commercial property, and surety bond pricing. Kyle has extensive experience working with insurance companies to efficiently and compliantly navigate regulatory requirements related to insurance rating plans.

Kyle has provided actuarial loss and loss adjustment expense reserve analyses to a variety of insurers and self-insurers, covering most personal and commercial lines of insurance. He serves as the opining actuary for multiple insurance companies, risk retention groups, captives, and self-insured entities. Kyle also has experience analyzing death, disability, and retirement reserves and long-term policy unearned premium reserves in accordance with NAIC codification requirements.

Prior to joining Perr&Knight in 2004, he worked as an actuarial analyst within the Property & Casualty Actuarial Department at State Farm Mutual Automobile Insurance Company. Kyle graduated from the State University of New York at Buffalo with a dual Bachelor of Arts in Mathematical-Economics and a second major in Statistics in 1999. He became a Member of the American Academy of Actuaries and an Associate of the Casualty Actuarial Society in 2004.

Kyle graduated from the State University of New York at Buffalo with a dual Bachelor of Arts in Mathematical-Economics and a second major in Statistics in 1999.  He became a Member of the American Academy of Actuaries and an Associate of the Casualty Actuarial Society in 2004.