Advisory rating relativities and factors

Verisk documents that ERC supplies an exact digital representation of Commercial Lines Manual instructions and that commercial rating engines apply ISO loss costs, rules, and rating factors. The licensed electronic content therefore supplies the current ISO factors and rule logic used across the selected rating dimensions.

AAIS explicitly states that S2M Rating & Data Tables provide factors and relativities, together with territorial definitions, from multistate and state manual pages in digitally consumable form. This is Strong direct evidence for product-specific factor and relativity values; retain the delivered table/manual scope and retrieval date, and do not infer undocumented reference classes, scales, dimensions, edition, or effective date.

AAIS documents current state-affiliated rating content and the Dwelling programme fact sheet explicitly includes rating factors with manual rules and loss costs. This is Useful direct factor evidence for the selected programme, not proof of every relativity or dimension; retain programme, state, manual/file, and retrieval context and do not infer an undocumented base, scale, direction, edition, or effective date.