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Aaron C. Koch

FCAS, MAAA
Principal and Consulting Actuary
South Burlington, VT, US
1 781 2136272

Aaron Koch is a principal and consulting actuary based in Northern Virginia. He joined Milliman in 2011.

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Experience

Aaron develops innovative solutions for the rapidly growing catastrophe risk and alternative capital markets. He works with leaders in these fields—including specialist hedge funds and reinsurers—to provide independent analyses for asset valuation, post-event loss reserving, and modeling of new or unusual risks to the ILS market. Aaron is a frequent writer and speaker on alternative financing structures for catastrophe risk.

Aaron’s actuarial experience includes consulting for a diverse set of clients throughout the property and casualty insurance industry, including corporations and government entity risk pools. He frequently develops models for low-frequency, high-severity risks, e.g., property catastrophe and commercial liability risks such as product liability and medical malpractice.

Publications

Read their latest work

Article

経済の不確実性を管理：（再）保険会社のための外国為替ボラティリティへの対応方法

07 October 2025 - by Aaron C. Koch, Tara Miller, Delaney Johnson
本稿では、外国為替（FX）レートの変動がアクチュアリーにどのような影響を与えるかを探り、FX関連リスクを管理するアクチュアリーのためのガイドを提供します。
Article

Managing through economic uncertainty: How to handle foreign currency volatility for (re)insurers

07 October 2025 - by Aaron C. Koch, Tara Miller, Delaney Johnson
This paper explores how foreign exchange (FX) rate fluctuations impact actuaries and provides a guide for actuaries managing FX-related risk.
Article

The expected impacts of Hurricane Milton: What’s next for the Florida insurance market?

14 October 2024 - by Aaron C. Koch, David Blake
In the aftermath of the storm, we look at the expected insurance impacts of Hurricane Milton and the anticipated future responses of the (re)insurance markets in Florida.
Article

ハリケーン・ミルトンから想定される影響:フロリダ州の保険市場の今後

14 October 2024 - by Aaron C. Koch, David Blake
この度の暴風雨をきっかけに、ハリケーン・ミルトンが保険に与える影響と、予想されるフロリダ州の（再）保険市場の今後の対応について考察します。
Article

Rebuilding the California property market: Reinsurance costs and recent reforms

23 October 2023 - by Robert Zolla, Aaron C. Koch
With homeowner policy payouts rising in California due to wildfires and other disasters, we review the impacts of the state's prohibition against including reinsurance costs in rate filings.
Article

カリフォルニア州の損害保険市場の再構築：再保険コストと直近の改革

23 October 2023 - by Robert Zolla, Aaron C. Koch
山火事やその他の災害により、カリフォルニア州で住宅所有者の保険金支払いが増加する中、同州による再保険コストの料率への織り込み禁止による影響について振り返ります。
Article

座礁したフロリダ州損害保険市場は、立て直し可能か?

19 July 2023 - by Aaron C. Koch, David Blake
近年の巨大ハリケーンに見舞われて以降、フロリダ州の住宅所有者保険市場の改革は、持続可能性に向けた取り組みをしてきましたが、最難題に向き合う日々はこれからなのかもしれません。
Article

The Florida property insurance market ran aground. Can the ship be righted?

19 July 2023 - by Aaron C. Koch, David Blake
After recent hurricanes, reforms in Florida’s homeowners insurance market have laid a path toward sustainability, but the most challenging days may still await.
Article

The G7 takes on climate change: Are catastrophe bonds an answer?

16 August 2022 - by Stephen A. White, David Blake, Aaron C. Koch, Karl Goring, Karthik Tumuluru, Anastasia Radko, Rbhya Pal
The G7 takes on climate change: Are catastrophe bonds an answer?
Article

気候変動に対するG7の取り組み：答えはCATボンド？

16 August 2022 - by Stephen A. White, David Blake, Aaron C. Koch, Karl Goring, Karthik Tumuluru, Anastasia Radko, Rbhya Pal
気候変動に対するG7の取り組み：答えはCATボンド？