Kyle M. Hales, ACAS, MAAA

• Principal & Consulting Actuary
  Director | Risk Strategies & Solutions

Kyle M. Hales is a Principal & Consulting Actuary at Perr&Knight, where he leads the Risk Strategies & Solutions practice. He specializes in guiding clients from concept to execution for new insurance ventures, including business plans, financial projections, roadmaps, and pitch decks for prospective partners and carriers.

Kyle provides strategic risk advisory services related to self-insurance, captive formations, insurance company formations, AM Best ratings, and business expansion strategies. He also supports M&A efforts through insurance company valuations.

His actuarial expertise spans pricing and product development for a broad range of commercial lines, including innovative programs such as cryptocurrency, cyber, cannabis, aviation, weather, and mobile devices, as well as more traditional lines like BOP, general liability, medical malpractice, commercial auto, property, and surety. He is highly experienced in regulatory filings and compliance for rating plans.

Kyle conducts reserve analyses for various personal and commercial lines, serving as the opining actuary for insurers, captives, risk retention groups, and self-insureds. He also has experience with long-term reserves for death, disability, retirement, and unearned premiums under NAIC standards.

Before joining Perr&Knight in 2004, Kyle worked at State Farm’s Property & Casualty Actuarial Department. He earned a dual B.A. in Mathematical-Economics and Statistics from the State University of New York at Buffalo in 1999, and became a Member of the American Academy of Actuaries and an Associate of the Casualty Actuarial Society in 2004.