Robin Harbage, FCAS MAAA
Robin Harbage is a Senior Consultant with EMB America LLC with more than 27 years of experience in the property & casualty insurance industry. Before joining EMB America, Robin served over 20 years at Progressive Insurance in various roles including Vice President and Corporate Actuary, Product Manager for Personal Auto, and General Manager with responsibilities for pricing, product development, marketing, claims, underwriting, regulatory affairs, and business strategy.
Robin has extensive experience in product development having created and managed Progressive’s Direct Auto R&D group responsible for segmenting the personal auto market and optimizing the consumer experience for phone and on-line shopping. Some examples of Robin’s past experience include:
Ratemaking:
• Responsible for pricing personal auto for the third largest personal lines auto insurer in 49 states and DC.
• Design and implementation of numerous new rating structures for personal auto and homeowners business. Designed products that improved both segmentation and customer appeal to support financial and growth and retention goals of the company.
• Identified and developed methods for use of mileage and other driving behavior variables in a robust product model that achieved consumer satisfaction with improved accuracy.
Marketing:
• Developed and implemented marketing plans for specific target markets using consumer research to design product features specific to the target audience preferences.
• Implemented media plans in support of direct marketing initiatives.
Reinsurance:
• Responsible for identifying reinsurance needs and evaluating reinsurer solvency to ensure financial strength.
• Oversight for catastrophe modeling in North American jurisdictions.
Analytical Data & Reporting:
• Trained Pricing and Product Management staff on numerous product analysis and reserving techniques.
• Established all loss and LAE reserves, and communicated the required levels to investors and company personnel at all levels.
Robin received his BA from The College of Wooster in Ohio with a major in mathematics. He graduated from The Ohio State University with an MBA concentrated in finance. Robin is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries.
He is currently a member of the Media Relations Committee of the Casualty Actuarial Society and has spoken at several actuarial conferences on both product management and mileage rating.
You may reach Robin by emailing him at 
