Bickerstaff , Whatley, Ryan & Burkhalter Consulting Actuaries: Richard J. Roth, Jr.

Mr. Roth is a Consulting Actuary affiliated with the Indian Wells office of Bickerstaff, Whatley, Ryan & Burkhalter. He joined the firm on September 1, 2001. Mr. Roth was the Chief Property and Casualty Actuary for the California Department of Insurance for 20 years, leaving on October 1, 2000, to become an independent consultant. From 1984 to 1990 he held the position of Assistant Commissioner.

A Fellow of the Casualty Actuarial Society (1980), Mr. Roth specializes in the financial examination of insurance companies, reinsurance, workers compensation, automobile insurance, and insurance against natural hazards, especially earthquake insurance, an area in which he has established an international reputation.

Mr. Roth was very active in the National Association of Insurance Commissioners (NAIC), having served as Chairman of the Casualty Actuarial (Technical) Task Force. He was instrumental in developing continuing updates of Schedule P in the Annual Statement for Property/Casualty companies. He was also instrumental in developing the Statement of Actuarial Opinion, with which actuaries opine on the adequacy of the loss and expense reserves for most companies each year. He was also active on the two catastrophe insurance
committees, addressing issues related to all types of insured natural disasters.

Mr. Roth served on the Board of Directors of the Casualty Actuarial Society for three years. He is also a member of the International Association of Consulting Actuaries, the International Actuarial Association, the International Insurance Society, the Earthquake Engineering Research Institute, and the American Risk & Insurance Association.

Dick has been active in the study of natural hazard insurance since the early 1980's. He has testified on natural disaster and earthquake insurance on numerous occasions before the California Legislature and before the United States Congress. He has also given presentations on insurance regulation and earthquake insurance in New Zealand, China, Japan, Taiwan, Canada, Mexico, and Russia.

Publications

1. Roth, R.J., "Analysis of Surplus and Rate of Return without using Leverage Ratios" , Insurer Financial Solvency, Casualty Actuarial SOciety Discussion Paper Program, 1992, Vol. I, pp. 439-464.

2. Steinbrugge, Karl V. and Roth, Jr., Richard J., Dwelling and Mobile Home Monetary Losses Due to the 1989 Loma Prieta, California, Earthquake with an Emphasis on Loss Estimation, U. S. Geological Survey Bulletin 1939-B, 1994.

3. Roth, Jr., Richard J., California Earthquake Zoning and Probable Maximum Loss Evaluation Program, California Insurance Department, 300 South Spring Street, Los Angeles, California 90013 (Published biannually, summarizing results of questionnaire administered by Mr. Roth and completed by all California licensed carriers, detailing amount of earthquake insurance written).

4. Roth, Jr., Richard J., Earthquake Basics - Insurance (a monograph), 1997, Earthquake Engineering Research Institute, Oakland, California.

Education

BS (Mathematics) Stanford University, 1964.
MS (Statistics) Stanford University, 1974
MA (Economics) Stanford University, 1974
JD (Law) University of Connecticut School of Law, 1970 (Admitted to in practic law in Connecticut).




	Richard J. Roth, Jr.

	Mr. Roth is a Consulting Actuary affiliated with the Indian Wells office of Bickerstaff, Whatley, Ryan & Burkhalter. He joined the firm on September 1, 2001. Mr. Roth was the Chief Property and Casualty Actuary for the California Department of Insurance for 20 years, leaving on October 1, 2000, to become an independent consultant. From 1984 to 1990 he held the position of Assistant Commissioner. A Fellow of the Casualty Actuarial Society (1980), Mr. Roth specializes in the financial examination of insurance companies, reinsurance, workers compensation, automobile insurance, and insurance against natural hazards, especially earthquake insurance, an area in which he has established an international reputation. Mr. Roth was very active in the National Association of Insurance Commissioners (NAIC), having served as Chairman of the Casualty Actuarial (Technical) Task Force. He was instrumental in developing continuing updates of Schedule P in the Annual Statement for Property/Casualty companies. He was also instrumental in developing the Statement of Actuarial Opinion, with which actuaries opine on the adequacy of the loss and expense reserves for most companies each year. He was also active on the two catastrophe insurance committees, addressing issues related to all types of insured natural disasters. Mr. Roth served on the Board of Directors of the Casualty Actuarial Society for three years. He is also a member of the International Association of Consulting Actuaries, the International Actuarial Association, the International Insurance Society, the Earthquake Engineering Research Institute, and the American Risk & Insurance Association. Dick has been active in the study of natural hazard insurance since the early 1980's. He has testified on natural disaster and earthquake insurance on numerous occasions before the California Legislature and before the United States Congress. He has also given presentations on insurance regulation and earthquake insurance in New Zealand, China, Japan, Taiwan, Canada, Mexico, and Russia. Publications 1. Roth, R.J., "Analysis of Surplus and Rate of Return without using Leverage Ratios" , Insurer Financial Solvency, Casualty Actuarial SOciety Discussion Paper Program, 1992, Vol. I, pp. 439-464. 2. Steinbrugge, Karl V. and Roth, Jr., Richard J., Dwelling and Mobile Home Monetary Losses Due to the 1989 Loma Prieta, California, Earthquake with an Emphasis on Loss Estimation, U. S. Geological Survey Bulletin 1939-B, 1994. 3. Roth, Jr., Richard J., California Earthquake Zoning and Probable Maximum Loss Evaluation Program, California Insurance Department, 300 South Spring Street, Los Angeles, California 90013 (Published biannually, summarizing results of questionnaire administered by Mr. Roth and completed by all California licensed carriers, detailing amount of earthquake insurance written). 4. Roth, Jr., Richard J., Earthquake Basics - Insurance (a monograph), 1997, Earthquake Engineering Research Institute, Oakland, California. Education BS (Mathematics) Stanford University, 1964. MS (Statistics) Stanford University, 1974 MA (Economics) Stanford University, 1974 JD (Law) University of Connecticut School of Law, 1970 (Admitted to in practic law in Connecticut).