Best's Capital Adequacy Ratio Model

In conjunction with updates to Best's Credit Rating Methodology, the Best's Capital Adequacy Ratio Model - P/C, US product has been enhanced to integrate the updated capital model A.M. Best's rating analysts are currently using to determine if US P/C insurers' capitalization is appropriate for their risk profile.

The BCAR Model - P/C, US is a desktop application that provides online access to A.M. Best's proprietary analytical tool to calculate BCAR scores and required capital at different confidence levels for US P/C insurers. Users can assess insurers' balance sheet strength and gain a deeper understanding of a company's exposure to low-probability events.

For more information or to order:
US & Asia-Pacific:
+1 (908) 439-2200, ext. 5311

Europe & MENA:
+44 20 7397 0292

For a demonstration or evaluation:


  • Utilize the same capital model used by A.M. Best's rating analysts to assess an insurer's capitalization relative to its risk profile.
  • Access and run adjustable baseline BCAR scores at five different confidence levels on any US property/casualty company using your own assumptions.
  • Benchmark and compare base or adjusted records side by side for up to five companies.
  • Receive changes to data, the BCAR calculation and methodology in real time.
  • Determine the capital required for potential mergers or new group structures by creating custom company records and obtaining BCAR scores for the records you create.
  • Access and run adjustable baseline BCAR scores using A.M. Best's legacy model on any US property/casualty company.

Your purchase includes:

  • A desktop application that gives you access to the BCAR model used by A.M. Best effective October 13, 2017, and the legacy model
  • The ability to create and save adjustments and projections to the capital (surplus) reported and eight main net required capital categories, including potential catastrophe losses
  • Online access to 2016 annual statutory data for the current model, and five years of annual statutory data for the legacy model (used prior to October 13, 2017) to run adjustments for any US property/casualty insurer or group
  • Best's Review magazine

NOTE: The results or output created by use of the Best's Capital Adequacy Ratio Model - P/C, US ("Output") is for informational and internal purposes only, and such Output may not match or be consistent with the official BCAR scores that A.M. Best publishes for the same rating unit. The Output is not guaranteed or warranted in any respect by A.M. Best.

The BCAR Model - P/C, US is a non-rating services product, and its purchase is not required as part of the rating process.

Important Links:

Call for pricing.
Published: Second quarter, with application and functionality updates as needed
Phone orders and multi-user inquiries, including organization-wide access: (908) 439-2200, ext. 5311