Applicable advisory loss costs

Verisk documents ERC as electronic delivery of ISO advisory loss costs, rules, and forms for commercial lines through HTML, CSV/XML, and Rating-as-a-Service; its loss-cost methodology identifies coverage, state, territory, class, limit, and deductible as pricing dimensions. This directly supplies the advisory prospective loss-cost content applicable to a selected commercial line and jurisdiction.

Licensed insurers can download current ISO loss costs by licensed line and jurisdiction; Verisk documents that those prospective values project future claim costs and allocated/unallocated LAE and are developed for coverage, state, territory, class, limit, deductible, and other dimensions. CLCD also supplies the immediately prior value and percentage change. This is Primary evidence; retain the downloaded line/jurisdiction selection, current/prior status, selected dimensions, file, and retrieval date.

AAIS documents digitally consumable Rating & Data Tables containing loss costs from multistate and state manual pages for final Member-requested materials. This is Strong product-and-jurisdiction loss-cost evidence; preserve the delivered table/manual scope and retrieval date because public documentation does not enumerate exposure unit, LAE treatment, currency, class/territory grain, edition, or effective-date fields.

AAIS documents Member access to current state-affiliated manuals and rating content, and its Personal Lines and Dwelling materials explicitly include loss costs and importable rating files. This is Useful programme-specific loss-cost evidence, but public materials do not expose the full exposure-unit, class, territory, LAE, currency, edition, and effective-date contract; retain the licensed manual/file and retrieval context.