Streamline and transform your entire reserving process
Addressing your needs in the reserving process
- Reserves calculation
- Regulatory compliance
- Auditable processes & data quality
- Monitoring & communication
AUTOMATE & OPTIMIZE YOUR RESERVES CALCULATION
Need to optimize your reserving processes and especially to structure, access, and manage data sets within an automated and integrated solution?
Our Reserving Business App offers a wide range of actuarial functionalities tailored to diverse business needs and market practices. It combines a comprehensive range of robust methods, both deterministic and stochastic reserving methods.
You will also be able to analyze reserve volatility and gain insights through a flexible and easy-to-use interface, designed to simplify actuarial tasks and accelerate your reserving process.
ENSURING REGULATORY COMPLIANCE BY MEETING SOLVENCY II AND IFRS 17 STANDARDS
Need to enforce technical provisions calculation complying with Solvency II and IFRS 17 standards?
Our Reserving Business App provides Solvency II and IFRS 17 modules. You will calculate Best Estimates leading to cash-flows projection. Wether you’re applying the BBA or PPA, our solution enables you to measure insurance contracts.
Our Reserving Business App ensures your reserving process is fully aligned with regulatory requirements.
INTEGRATING AUDITABLE PROCESSES & DATA QUALITY TO ENSURE GOVERNANCE & RELIABILITY
Need to ensure governance of the reserving process, including data quality controls, through fully automated, integrated and traceable processes?
With our solution, you can build a fully automated and integrated workflow, from claims databases to the reporting, adaptable to your IT environment. Our business app provides a complete audit trail allowing identification of all changes brought to a project. Add comments, track modifications, and export logs to meet the highest standards of transparency and compliance.
As your data is always clean, complete and ready for review, your data quality process will never be questionable with the automated data controls implemented in our fully integrated process ensuring adequacy, completeness, and accuracy of the data.
ENHANCING MONITORING, CONSOLIDATION, AND TRANSPARENCY
Need to consolidate reserving results across entities and communicate them clearly to stakeholders?
Our Reserving Business App provides global dashboards for consolidated views, including diversification effects. Results are automatically aligned with regulatory frameworks such as Solvency II and IFRS 17. Communicate insights effectively through interactive dashboards tailored for both internal teams and external stakeholders. Every change in your reserving process is traceable: add comments, track modifications, and export audit trails to ensure full transparency and compliance.
Whether for internal governance, external audits, or regulatory reviews, you’re always audit-ready.
FEATURES
Shaping the future of Reserving
Accessible anytime, anywhere, our SaaS solution provides step-by-step guidance to ensure accuracy and efficiency.

User-friendly and intuitive interface
Easily navigate, create triangles, modify values as needed and analyze your reserving data, in a few clicks.

Use Proven Methods
Rely on the market’s favorite methods: Chain-Ladder, Bornhuetter-Ferguson, Average Cost, Average Cost per Claims, Loss Ratio and Mack Bootstrap methods. Obtain and compare your results.

Step-by-step guidance
Easy-to-navigate menus and helpful templates will guide you step by step through your reserving process.

Customizable parameters
Streamline and customize your reserving process with various parameters and options: paid or incurred triangles, underwriting or accounting origin years, and apply inflation vectors as needed.

Excel-like logic replication
Easily replicate your existing Excel-based methods within the app. Maintain control and familiarity while accelerating your process with automation.

Scenario testing
Test assumptions and simulate different reserving scenarios to assess the impact of changes and support strategic decision-making.

Traceability & auditability
Every change is traceable: add comments, track modifications, and export audit trails to ensure full transparency and compliance. Your calculations and results are ready for view at all times, both internally and externally.

Volatility analysis
Understand reserve uncertainty with advanced parameters for analyzing volatility and variability across methods and assumptions.
THEY TRUST US
More than 2,200 users trust our solution
OVERVIEW
How it simplifies your Reserving Process
Watch our video to explore the user-friendly interface in action and see how easily you can calculate reserves in just a few clicks.
THE ADDACTIS PLATFORM
Our business app is part of the next-generation Actuarial Risk Management Platform
Experience unparalleled reliability, efficiency, and innovation with a system crafted to meet the dynamic needs of the insurance industry. Elevate your business operations today and stay ahead of the competition with our unique, cutting-edge solution.
Our platform is the only one on the market that seamlessly addresses both regulatory and profitability scopes, ensuring your success in a highly competitive landscape.
A unique and unified actuarial platform, designed to ensure compliance and profitability, through a range of business applications.
RESOURCES
Explore our content related to Reserving
Reserving : Bornhuetter–Ferguson & Loss Ratio methods
Reserving: Chain Ladder, the essential method
In non-life insurance, reserving is a regulatory component of risk management. Its purpose is to estimate the technical provisions needed to cover the insurer’s future commitments.
Benchmark: practices and challenges in non-life reserving methods
What are the reserving best practices to tackle challenges in non-life insurance?
The Addactis Observatory has conducted a nationwide survey of non-life insurers in the French market, in order to update its previous studies and highlight market trends in a rapidly changing environment.
FAQ
More about Reserving
How does our Reserving Business App ensure data quality, automation and auditability?
How does our Reserving Business App ensure compliance with Solvency II and IFRS 17?
How our Reserving Business App simplifies your process?
- Set geometry: Set the origin type, start and end dates, and periodicity, with the option to add diagonals for efficient updates.
- Fill triangles: Define the type and input values effortlessly.
- Adjust parameters: Customize inflation or exposure vectors as needed.
- Calculate methods: Use industry-standard methods like Chain-Ladder, Bornhuetter-Ferguson, Loss Ratio, and more for advanced configurations.
- Select reserves: Choose the final reserves for the study from among the calculated methods.
- Assess results: View the final results of the studies.
- Get quantiles with Mack Boostrap and normal or log-normal distribution
More than a tool, the Reserving Business App is your complete solution, guiding you with intuitive menus and helpful templates.
How does the Reserving solution integrate with our existing systems?
Which reserving methods are supported?
Our solution includes a full range of actuarial methodologies such as Chain-Ladder, Bornhuetter-Ferguson, Average Cost, Average Cost per Claims, and Loss Ratio. You can calculate technical reserves, risk measures, Solvency II Best Estimates, and IFRS 17 risk adjustments—all in just a few clicks.
How to choose the right reserving method?
- Chain-Ladder: A method that projects future claims based on historical development patterns, assuming past trends represent the future trends. The mostly used method on the market.
- Bornhuetter-Ferguson: A hybrid method that combines prior expectations (often from loss ratios) with observed data, giving more weight to expected loss early in development and actual data later.
- Loss Ratio: A method that estimates reserves by applying an expected loss ratio to earned premiums, often used when there is limited claims development data.
- Average Cost: A method that projects future claims by multiplying the number of claims by an expected average cost per claim.
- Average Cost per Claim: A refinement of the average cost method, separately projecting the number of claims (frequency) and the average cost per claim (severity), then combining them.
Select a method based on the nature of your data and the specific characteristics of your insurance line. Our Reserving Business App includes the mostly used reserving methods on the market.
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