Best's Capital Adequacy Ratio Adjustment System
Property/Casualty - United States

Best's Capital Adequacy Ratio (BCAR) is an integrated review of an insurer's underwriting, financial and asset leverage. A.M. Best analysts use this calculation to test the impact of scenarios that affect an insurer's financial outcomes.

To order by phone: (908) 439-2200, ext. 5311 (Corporate Sales)     Perform a variety of adjustments to BCAR calculations for nearly 3,000 companies.

Output data sheets are printable and can be exported to Excel.

The BCAR Adjustment System is a desktop application that provides online access to the same base model and data used by A.M. Best to calculate the BCAR score for approximately 3,000 single and group U.S. property/casualty companies. Users can assess the impact of various scenarios just as an A.M. Best analyst would, for competitive comparisons and benchmarking research.

This product allows you to:

• Utilize the actual model used by A.M. Best's rating analysts, with no guesswork.
• Save up to 25 adjustments for each company record. 
• Compare differences side-by-side for up to five companies.
• Receive immediate updates -- any changes to the BCAR calculation or methodology are incorporated in real time.
• Access and run BCAR scores on any company using your own assumptions.
• Access two years of data to calculate companies' baseline BCAR scores.
• Export multiple companies' data simultaneously into Excel spreadsheets.
• Create and maintain a custom company record and either import or specify the values for all fields for a customized BCAR record and score.

NOTE: While the BCAR Adjustment System provides users with access to the same base starting point that is used by A.M. Best analysts, and allows the user to make adjustments to the same variables, the resulting BCAR may not necessarily match the BCAR score published by A.M. Best. This is due to additional adjustments that may be made by the A.M. Best analyst based on proprietary information collected during the rating review process and Supplemental Rating Questionnaire (SRQ).

Purchase of the BCAR Adjustment System is completely
separate from a rated insurer's rating fee and is not required
as part of the rating process.

Your purchase includes:

• Online access to base data for approximately 3,000 property/casualty insurers
• A desktop application that allows you to make assumptions or adjustments to the Adjusted Policyholders' Surplus and the Net Required Capital for your company or others
• The ability to export the entire Company List from the main screen and output data sheets with the base data and adjustments in a printable format that can be exported into Excel
• An initial data release in April, plus any updates needed throughout the year for application/functionality changes
• Product support through our Technical Products Support group
• Best's Review at all news service levels
• Best's Insurance News & Analysis at the Full News Service level

Important Links

• Read a full explanation of the BCAR calculation.
• Watch a video giving an overview of the BCAR Adjustment System.
• Read an informative FAQ about the BCAR Adjustment System.
• Consult hardware and software requirements for the BCAR Adjustment System.

Year First Published: 2008
Published: First quarter with application and functionality updates as needed
Years of Data: Current year
Entries: Approximately 3,000
Phone orders and multiseat inquiries, including organization-wide access: (908) 439-2200, ext. 5311 (Corporate Sales)

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