The Analytics team at American Risk Services is responsible for program performance evaluation, loss forecasting, and the production of standard as well as ad hoc reports for both internal and external clients.

Our data warehouse includes current and historical enrollment records, which are paired with corresponding loss data that encompasses the EWT, GAP and Collateral Protection Insurance products.

Analytical techniques employed by ARS include statistical modeling and Monte Carlo simulation, as well as the application of standard insurance principles.

American Risk Services has also purchased external third-party information that is appended to enrollments, enabling us to both track and forecast vehicle depreciation over time. This further allows the Analytics team to evaluate program results under various vehicle equity scenarios.


Scott Satterthwaite – Business Development Executive

Mike Ledney – Director of Analytics