Close quarterly reserves in days, not weeks
Automates the IBNR and pricing models your team rebuilds by hand each quarter, with a full audit trail regulators can verify without asking you to reconstruct the spreadsheet.
| Line of Business | Prior Reserve | Development | IBNR Est. | Total Reserve |
|---|---|---|---|---|
| Commercial Auto | 14,820 | +312 | 2,140 | 17,272 |
| General Liability | 31,445 | +890 | 5,630 | 37,965 |
| Workers Comp | 22,100 | -124 | 3,280 | 25,256 |
| Property | 8,960 | +220 | 1,410 | 10,590 |
| Total | 77,325 | +1,298 | 12,460 | 91,083 |
Actuarial close cycles are fragile by design
Every quarter, actuarial teams at insurance carriers spend weeks rebuilding the same development triangles and IBNR models from scratch in Excel. One formula error propagates silently. One version-control slip means regulators are reviewing a file that doesn't match the final reserve recommendation.
The knowledge of which method was chosen, why the tail factor was adjusted, and who approved the final run lives in email threads and tribal memory. When an examiner asks for the model behind Q3 2024, someone has to reconstruct it from a backup drive.
HyperCal replaces that cycle. The same actuarial methods your team trusts, executed inside a versioned engine that captures every parameter change, every run, and every approval in a structured audit log.
Three engines, one close cycle
Reserving, pricing calibration, and compliance documentation running from a single data pipeline.
IBNR Reserving Engine
Chain ladder, Bornhuetter-Ferguson, Cape Cod, and frequency-severity methods run in parallel. Credibility weights applied automatically. Results traceable to source triangles.
Pricing Model Calibration
Rate adequacy analysis, indicated change calculations, and territorial factor fitting integrated with your loss data. Schedule credits and debits applied consistently across segments.
Audit and Compliance Layer
Immutable run logs capture every method selection, parameter choice, and reviewer approval. Exportable to PDF or structured JSON for regulatory submissions.
From raw loss data to signed reserve in four steps
Connect your data
Map your policy and claims exports to HyperCal's triangle builder. Supports CSV, Excel, and direct database connectors.
Configure methods
Select actuarial methods per line of business. Set credibility parameters, tail selections, and blend weights once; HyperCal applies them consistently each quarter.
Run and review
Actuaries review the model output in a structured UI designed for actuarial sign-off. Annotate adjustments with rationale attached to the run record.
Export with audit trail
Approve the final reserve. HyperCal generates a time-stamped audit log with every parameter, every reviewer, and every data version locked into a single exportable record.
We spent the first two weeks of every quarter rebuilding triangles we had already built the quarter before. HyperCal turned that into a two-hour verification run. The regulator review was the smoothest we have had in four years.
Head of Reserving, Mid-tier P&C Carrier
Early Access Program, 2026
Reserve your spot in the program
We are working with a limited number of carriers during the early access program. Tell us about your reserving cycle and we will schedule a technical walkthrough.