The Gap Waiting to be Fixed
Most actuarial engagements end at the deliverable. You get a pricing memo or a reserve opinion and are left to figure out what to do with it. Apto was built to fix that.
FCAS Credentialed
Fellow of the Casualty Actuarial Society, with deep experience across pricing, reserving, and program design in commercial lines specialty.
Start a ConversationBuilt From the Inside Out
We are an FCAS-credentialed actuarial and operational consulting firm serving MGAs, carriers, and captives.
- Rigorous actuarial analysis grounded in real MGA operating experience
- Coverage across pricing, reserving, product development, data infrastructure, and operational efficiency
- An integrated partner, not another vendor adding to the stack
Scaling a program requires more than accurate numbers. If you are ready to grow and want a partner who brings both the actuarial and the operational experience to help you do it right, let's talk.
A Latin word meaning to fit, adapt, adjust, apply, accommodate, or prepare.
We meet MGAs, carriers, and captives where they are responding to their challenges with solutions that evolve as their business scales.
How We Work
Five principles that shape every engagement.
Partnership Mindset
We become an extension of your team working alongside you to build, implement, and optimize your operational infrastructure, not just hand over a report.
Practical Over Theoretical
Every framework we provide has been tested in the real world and proven to work across all P&C lines. No untested theory.
Right-Sized for Your Stage
A $5 million program needs different systems than a $50 million program. We design solutions that fit your current reality, not a one-size-fits-all template.
Mutual Understanding
We have been where you are. We understand the pressure, carrier expectations, and growth ambitions. We speak your language because we have lived your experience.
Focus on Outcomes
We are not here to create deliverables. We are here to drive results. Our success is measured by your growth, operational efficiency, and carrier relationships.
Traditional Consulting vs. Apto
Traditional Consultants
- Theoretical frameworks
- Generalized industry knowledge
- Project-based deliverables
- Junior consultants on your account
- One-size-fits-all solutions
- Analysis without operational context
Apto Insurance Advisors
- Real-world solutions proven to work
- Deep specialty in insurance operations
- Ongoing partnership and support
- Direct access to experienced founders
- Customized solutions that fit your needs
- Actuarial work connected to operational reality
Eric Matych, FCAS
Fellow of the Casualty Actuarial Society with direct experience building and scaling a commercial lines specialty MGA to over $150M in premium.
Eric's background spans actuarial pricing and reserving, analytics leadership, product strategy, IT, and operations, the full picture that most actuarial consultants never see from inside a growing business.
That breadth is the foundation of Apto: FCAS technical rigor, grounded in the practical reality of having actually run the business and solved the problems clients face today.
What You Can Expect
These are not aspirations. They are the standard we hold every engagement to.
We will tell you what you need to hear, not what you want to hear.
Direct access to founders who communicate in a timely and straightforward manner.
Systems and frameworks you can actually implement and use from day one.
We teach you how everything works so you build internal capability that lasts.
We are invested in your growth beyond any single engagement or deliverable.
Your business strategies and challenges stay completely confidential, always.
Every Successful Company Started Where You Are Now
The difference is having the right operational foundation to support your growth. Let's talk about building yours.