Tom Torcia

Proven expertise to drive improved performance



Tom Torcia Mutual Capital Analytics

Tom Torcia

Chief Analytics Officer

Tom Torcia, Chief Analytics Officer, has over 13 years of experience in the P&C industry with focus in Personal Lines product, analytics, distribution, and innovation. Specializing in Product Management, Tom has a proven track record of harnessing emerging technology and new data to improve product performance and enhance customer satisfaction. Infectiously curious, Tom consistently seeks out innovative ways to use data and analytics to drive better decision-making and enhanced product results.

Before joining MCA in November 2020, Tom worked at The Travelers. Most recently, Tom led the Emerging Auto team, focused on becoming an industry leader in the independent agency channel for the creation, adoption and utilization of telematics. Building leading-edge offerings that combined digital assets,  third-party data, advanced modeling 

techniques and enhanced pricing segmentation, his team’s work led to the growth and expansion of Travelers’ telematics program, with adoption growing by over 300%.

Prior to Emerging Auto, Tom spent 10 years in Personal Lines Product Management. With increasing leadership responsibility, he managed top- and bottom-line performance for Auto and Homeowners products across a number of regional assignments. Some of Tom’s key accomplishments that helped profitably grow market share were:

  • End-to-end delivery of major product launches in complex underwriting and regulatory markets
  • Turn-around of a shrinking Homeowners book by the implementation of strategic investments in third-party party data and pricing
  • Development of a ground-up rating plan for a coastal state
  • Implementation of new pricing strategies in New Jersey for Personal Injury Protection (PIP) coverage

Tom earned both a Bachelor of Science in Finance and an MBA from the University of Connecticut. When not thinking about insurance, you can find Tom spending time chasing his three young children around the playgrounds of West Hartford.

“How well insurers resolve the “synthesis challenge” – interjecting technology, talent and business models into change-resistant legacy environments – may be the biggest success factor for the industry in the next decade.”

Deloitte 2020 Insurance Outlook



The Pennsylvania Association of Mutual Insurance Companies (PAMIC) is a trade association that has proudly represented the Mutual Insurance Industry since 1907.

Our membership comprises some of the most historic companies in the industry, along with new companies who are thriving under the same model.

For more than 120 years NAMIC has been serving in the best interests of mutual insurance companies – large and small – across the United States as well as in Canada. NAMIC membership includes more than 1,400 member companies. The association supports regional and local mutual insurance companies on main streets across America along with many of the country’s largest national insurers. NAMIC member companies write $268 billion in annual premiums and together account for 59 percent of homeowners, 46 percent of automobile, and 29 percent of the business insurance markets.

The Wisconsin Association of Mutual Insurance Companies (WAMIC) is a trade association representing 60 mutual insurers who are based and write in Wisconsin. Most WAMIC member mutual insurance companies were founded in the late 19th century. At that time, large insurance companies would not offer insurance in rural areas, and much of Wisconsin was very rural then. Citizens of smaller communities throughout the state organized their own insurance companies for their mutual protection.


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