Zachary A. Fischer

FCAS, MAAA

Consulting Actuary

Brookfield, WI, US

Zach Fischer is a consulting actuary working out of Milliman's Milwaukee office, a position he has held since joining the firm in 2012. With a strong focus on property and casualty actuarial consulting, Zach brings a wealth of expertise to his role, assisting a diverse range of clients, including commercial insurers, self-insured organizations, and captive insurance companies, with their complex actuarial needs. His specialization in medical professional liability is particularly noteworthy, as he has developed extensive experience in this area over the years. Zach provides invaluable services for physicians, hospitals, and other professionals and entities that require professional liability insurance, ensuring they are well-equipped to manage the risks associated with medical malpractice and other related coverages.

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Experience

Zach provides his clients with a wide range of services and is recognized for consistently delivering high-quality work while adhering to deadlines. He offers assistance in several areas, including:

Reserving: Expertise in loss reserving, preparing Statements of Actuarial Opinion, and offering audit support.
Product Development and Pricing: Developing rate indications, creating or updating class and territory plans, conducting competitor rate analyses, and providing rate filing support.
Captive / Self-Insurance Assistance: Conducts feasibility studies, estimates funding requirements, and offers ongoing support for pricing, reserving, and Statements of Actuarial Opinion.
Merger and Acquisition Support: Performs due diligence concerning insurance company unpaid claim liabilities and evaluates pricing adequacy.
Financial Modeling and Risk Analysis: Engages in stochastic (simulation-based) modeling, creates pro-forma projections, analyzes legislative impacts, and aids in AM Best rating reviews.

Publications and Presentations

Zach has authored numerous articles in Inside Medical Liability and Medical Liability Monitor, where he analyzes the financial results of the medical professional liability industry. He has presented at several Milliman conferences and frequently addresses the boards of directors (or equivalent governing bodies) of his clients.

Professional Designations

Fellow, Casualty Actuarial Society
Member, American Academy of Actuaries

Education

BS, Mathematics, University of Wisconsin-La Crosse

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Publications

Read their latest work

Article

2024 Workers’ compensation statutory financial results

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

Direct written premium declined, ending three consecutive years of increases, while loss ratios were a mixed bag.

Article

米国労働者災害補償：2024年法定財務報告結果

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

元受収入保険料は減少し、3年連続の増加に終止符が打たれました。一方、ロスレシオについてはまちまちの結果となりました。

Article

米国商用車賠償責任保険：2024年法定財務結果まとめ

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

2024年、自動車賠償責任保険の元受引受保険料は12.3%増加し、430億ドルに達しましたが、保険会社はロスレシオの上昇圧力が続く状況に直面しています。

Article

2024 Commercial auto liability statutory financial results

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

Direct written premium for auto liability insurance in 2024 increased 12.3% to $43 billion, but carriers saw continued upward pressure on loss ratios.

Article

Inside Medical Liability: 2024 financial results—Investment gains lead the way to a healthy bottom line

15 June 2025 - by Eric J. Wunder, Zachary A. Fischer

Strong investment returns drove 2024 profitability for MPL insurers, with premiums up modestly and reserve releases down.

Article

MPL専門保険会社の業績は、引受査定の経験が平均以下となるも良好

16 April 2025 - by Eric J. Wunder, Zachary A. Fischer

MPL専門保険セクターに関する2025年4月のアップデートによると、MPL専門保険会社の元受引受保険料は2024年に3.1%増加し、69億ドルに達しました。

Article

MPL operating results remain favorable despite below average underwriting experience

16 April 2025 - by Eric J. Wunder, Zachary A. Fischer

Direct written premium of specialty writers rose 3.1% to $6.9 billion in 2024, according to our April 2025 update on the sector.

Article

Inside Medical Liability：2023年決算によると発生頻度は抑制継続

11 July 2024 - by Eric J. Wunder, Zachary A. Fischer

2023年には運用成績が改善し、剰余金も回復したため、定評ある医療専門職賠償責任保険専門会社にとってはやや良好な結果となりました。

Article

Inside Medical Liability: 2023 Financial Results - Frequency continues to hold severity in check…for now

11 July 2024 - by Eric J. Wunder, Zachary A. Fischer

Investment performance improved and surplus recovered in 2023, leading to a slightly better year for established writers in the medical professional liability.

Article

Workers' compensation: Summary of 2023 statutory financial results

30 May 2024 - by Zachary A. Fischer, Lori E. Julga, Carl X. Ashenbrenner, Kyle Stowe

We summarize key 2023 financial results for U.S. workers’ compensation writers, which had a modest increase in direct written premium and improving ratios.

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Read their latest work

Article

2024 Workers’ compensation statutory financial results

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

Direct written premium declined, ending three consecutive years of increases, while loss ratios were a mixed bag.

Article

米国労働者災害補償：2024年法定財務報告結果

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

元受収入保険料は減少し、3年連続の増加に終止符が打たれました。一方、ロスレシオについてはまちまちの結果となりました。

Article

米国商用車賠償責任保険：2024年法定財務結果まとめ

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

Article

2024 Commercial auto liability statutory financial results

02 July 2025 - by Paul Anderson, Carl X. Ashenbrenner, Brian Z. Brown, Zachary A. Fischer, Drew B. Groth, Lori E. Julga, Kyle Stowe

Direct written premium for auto liability insurance in 2024 increased 12.3% to $43 billion, but carriers saw continued upward pressure on loss ratios.

Article

Inside Medical Liability: 2024 financial results—Investment gains lead the way to a healthy bottom line

15 June 2025 - by Eric J. Wunder, Zachary A. Fischer

Strong investment returns drove 2024 profitability for MPL insurers, with premiums up modestly and reserve releases down.

Article

MPL専門保険会社の業績は、引受査定の経験が平均以下となるも良好

16 April 2025 - by Eric J. Wunder, Zachary A. Fischer

MPL専門保険セクターに関する2025年4月のアップデートによると、MPL専門保険会社の元受引受保険料は2024年に3.1%増加し、69億ドルに達しました。

Article

MPL operating results remain favorable despite below average underwriting experience

16 April 2025 - by Eric J. Wunder, Zachary A. Fischer

Direct written premium of specialty writers rose 3.1% to $6.9 billion in 2024, according to our April 2025 update on the sector.

Article

Inside Medical Liability：2023年決算によると発生頻度は抑制継続

11 July 2024 - by Eric J. Wunder, Zachary A. Fischer

2023年には運用成績が改善し、剰余金も回復したため、定評ある医療専門職賠償責任保険専門会社にとってはやや良好な結果となりました。

Article

Inside Medical Liability: 2023 Financial Results - Frequency continues to hold severity in check…for now

11 July 2024 - by Eric J. Wunder, Zachary A. Fischer

Investment performance improved and surplus recovered in 2023, leading to a slightly better year for established writers in the medical professional liability.

Article

Workers' compensation: Summary of 2023 statutory financial results

30 May 2024 - by Zachary A. Fischer, Lori E. Julga, Carl X. Ashenbrenner, Kyle Stowe

We summarize key 2023 financial results for U.S. workers’ compensation writers, which had a modest increase in direct written premium and improving ratios.

Zachary A. Fischer

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Experience

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Read their latest work

2024 Workers’ compensation statutory financial results

米国労働者災害補償：2024年法定財務報告結果

米国商用車賠償責任保険：2024年法定財務結果まとめ

2024 Commercial auto liability statutory financial results

Inside Medical Liability: 2024 financial results—Investment gains lead the way to a healthy bottom line

MPL専門保険会社の業績は、引受査定の経験が平均以下となるも良好

MPL operating results remain favorable despite below average underwriting experience

Inside Medical Liability：2023年決算によると発生頻度は抑制継続

Inside Medical Liability: 2023 Financial Results - Frequency continues to hold severity in check…for now

Workers' compensation: Summary of 2023 statutory financial results

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CHOOSE A LOCATION AND LANGUAGE

Zachary A. Fischer

Experience

Read their latest work

2024 Workers’ compensation statutory financial results

米国労働者災害補償：2024年法定財務報告結果

米国商用車賠償責任保険：2024年法定財務結果まとめ

2024 Commercial auto liability statutory financial results

Inside Medical Liability: 2024 financial results—Investment gains lead the way to a healthy bottom line

MPL専門保険会社の業績は、引受査定の経験が平均以下となるも良好

MPL operating results remain favorable despite below average underwriting experience

Inside Medical Liability：2023年決算によると発生頻度は抑制継続

Inside Medical Liability: 2023 Financial Results - Frequency continues to hold severity in check…for now

Workers' compensation: Summary of 2023 statutory financial results

CHOOSE A LOCATION AND LANGUAGE