Heather Kanzlemar
Heather Kanzlemar is a principal and consulting actuary with the Property and Casualty Practice in Milliman’s San Francisco office. She joined the firm in 2022.
Experience
Heather is actively involved in property insurance ratemaking and product development, including for catastrophe exposed lines of business. She has provided expert witness support in numerous California cases, and she manages the San Francisco office's wildfire R&D efforts.
Heather’s areas of expertise include:
- Developing rates and rules for personal and commercial lines products
- Analyzing rate adequacy, including on-leveling premium, evaluating trends, and assessing potential policyholder dislocation
- Facilitating the development and introduction of predictive models, tiering, and/or new rating variables within both existing and new insurance programs
- Preparing and reviewing personal and commercial lines rate filings to be submitted to state regulators
Prior to joining Milliman, Heather was an actuarial pricing director with State Auto Insurance Companies. She and her former teams performed ratemaking and product development for small commercial package, private passenger auto, commercial auto, dwelling fire, and homeowners lines of business.
Heather has presented on the use of catastrophe models in ratemaking at the Casualty Actuarial Society's Ratemaking and Product Modeling Seminar. She has also presented on product and insurance pricing at The Ohio State University's Actuarial Practicum sessions.
- Fellow, Casualty Actuarial Society
- Member, American Academy of Actuaries
- BS, Actuarial Science, The Ohio State University
- Heather serves as a member of the CAS Climate and Sustainability Working Group (CSWG) on the Research & Open Data Resources workstream.