Reservoir

Loss reserving for P&C actuaries. The full product runs here, in your browser: nothing to install, and your data stays on this computer.

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What to try

The test book is synthetic: each segment was built to show one thing, and the true ultimates are known.

Commercial Property: a 9m claim makes 2021's 12-24 ratio 1.88. Click the ratio to exclude it and watch the averages and IBNR move.
Products Liability is still developing at the last age. With no tail it is about 11m under the true answer: fit one on Curves.
General Liability: case reserves strengthened from 2023, so incurred chain ladder overstates. Compare paid methods; try Berquist-Sherman.
Personal Auto: payments rose 12% from calendar 2022. See the calendar-year test on Checks, then a GLM with a calendar trend.
Commercial Auto: premium grows 30% a year. Set BF and Cape Cod against chain ladder on the immature years.
Marine Cargo: unstable ratios and wide Mack and bootstrap ranges on Stochastic.
Load the data at 2026-12-31 (next_year.csv): selections are kept and actual vs expected is measured.
Download the simulated true ultimate for every segment and year to check any estimate against.

Not in the trial: team sign-off on the server, Print / PDF and the Excel add-in. The desktop app has them all.