Nickolas Alvarado
Principal
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Nickolas is a principal in our Property and Casualty Actuarial Practice, helping clients innovate and navigate the complexities of the insurance landscape.

Specializing in pricing and risk quantification, he is an expert in insurance ratemaking, predictive modeling, and regulatory matters.

Nickolas applies deep subject matter expertise to emerging risks, including transformative technologies, climate change, and Insurtechs. With a strong background in mathematics and computer science, he seamlessly connects analytical insights with practical business applications. He thrives at the intersection of math, technology, and people, delivering efficient, creative solutions tailored to business needs and regulatory requirements.

Double Quotes
When presented with opportunities to develop solutions to complex challenges, I leverage modern technology as a powerful tool because it is a force and efficiency multiplier

Nickolas is a thought leader and mentor in the actuarial, insurance, and consulting industries, known for his guidance, integrity, and insightful perspectives. A frequent speaker at actuarial and insurance events, he has also authored influential papers and been featured in publications covering pricing, predictive modeling, regulatory strategies, wildfire risk, telematics, and artificial intelligence (AI) tools.

Recognized for his expertise, he holds credentials as a Fellow of the Casualty Actuarial Society (FCAS), a Certified Specialist in Predictive Analytics (CSPA), and a Member of the American Academy of Actuaries (MAAA). In his spare time, Nick enjoys gardening with his wife, tending to a variety of plants, including citrus and fig trees, and spicy peppers. He incorporates his harvest into his cooking and baking.