Combined Ratio Leading the Insurance World With New Talent

Hartford, CT — October 31, 2019 – Combined Ratio, a Hartford, Connecticut-based InsurTech services provider specializing in maximizing the value property and casualty (P&C) insurance companies have invested in existing IT infrastructure, is pleased to announce the addition of Alvin Rafailov to the team.

Rafailov joins Combined Ratio as business analyst who will be working daily on customer engagements to apply business-level requirements directly to the impacted systems, including field-by-field, rule-by-rule, and operation-by-operation level requirements.

“Alvin comes from one of the country’s best programs for college students to learn the insurance industry, St. John’s University School of Risk Management,” said Michael Jones, CEO for Combined Ratio. “And, he shares the same enthusiasm for the industry that we do. At CRS, we try to proactively seek out people who have a passion for what they do. We are looking forward to giving Alvin a forum which will help him be creative and successful.”

Rafailov is a recent graduate of the St. John’s University School of Risk Management, having graduated with a degree in Qualitative Risk Management. While getting his degree, Rafailov was involved in the Bulls and Bears Investment Club at the university, and he interned at several New York-based insurance companies.

“We’re delighted that Combined Ratio has brought Alvin on board,” said Jody Queen-Hubert, Director, Ellen Thrower Center for Apprenticeship & Career Services, St. John’s University, School of Risk Management, Insurance & Actuarial Science. “Graduating cum laude, his studies focused on risk and insurance. As many of our students do, he gained practical work experience through internships, bringing his classroom experience into the working world. We look forward to seeing how he flourishes at Combined Ratio.”

Combined Ratio has built teams of experienced insurance system development professionals who work seamlessly with insurers’ existing IT staff to enhance productivity and extend development capabilities. Whether the challenge is development, integration or configuration, Combined Ratio helps insurance organizations figure out the best technologies and methodologies required for quick, inexpensive implementations.

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About Combined Ratio

Combined Ratio is an InsurTech services provider maximizing the value P&C insurers have invested in existing IT infrastructure with experienced onshore/offshore development teams which accelerate change by rapidly clearing IT backlogs and change requests, creating custom software solutions, performing system enhancements and upgrades, and delivering opportunities for innovation. For more information, please visit https://combinedrat.io/.