Shina Fritz

Consulting Actuary

Shina Fritz, ACAS, MAAA has over 30 years of experience in property and casualty insurance, both primary and reinsurance, including actuarial analysis, pricing evaluations, capital allocation, submission review, filings, and reporting. She is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Before joining Huggins, Ms. Fritz served in various actuarial positions at Farmers Insurance Group, Zurich North America, Pacific Compensation Insurance Company, Insurance Corporation of Hannover, Fireman’s Fund Insurance Company, and CIGNA Property & Casualty Group. 

Ms. Fritz’s professional experience includes: 

  • Pricing, reserving, and financial analysis for California WC; 
  • Compiling data and exhibits for state filings, indications, and rating examples; 
  • Responding to NCCI surveys and data requests; 
  • Investigating data reporting methods used in NCCI data calls and financial statements; 
  • Preparing filing exhibits, sample factors, and responses for WC high deductible filings; 
  • Collaborating with team members to improve rate testing and help supervise new tools; 
  • Providing insights to management and underwriting on California WC and other regional issues; 
  • Creating a mid-sized WC accounts pricing tool for first dollar and deductible options; 
  • Collaborating with field underwriters in pricing large casualty accounts, calculating rate change, and estimating collateral; 
  • Reviewing capital allocation estimates using internal models and reflecting A.M. Best and European S&P analyses; 
  • Pricing reinsurance treaties and reviewing submissions. 

 Ms. Fritz earned a B.S. in Mathematics from Drexel University in Philadelphia, PA. 

The Huggins Advantage

Our firm’s philosophy centers on our commitment to the highest level of quality service delivered by quality people.  Our long tradition of providing responsive, technical excellence to our clients’ needs through an integrated team approach requires that we focus on quality in every aspect of every engagement.