Allocated loss adjustment expense

Standing U.S. commercial subscription to coordinated ISO actuarial circulars for up to 15 personal and commercial P&C lines. Licensed insurer customers receive aggregate industry analyses covering claim frequency and average claim cost/severity, paid and incurred experience, claim and occurrence counts, exposures, loss development, limits, classes, coverages, territories, causes of loss, catastrophes, and expenses. The current schedule supplies line-specific release and data-period context and directs customers to full-circular PDF and Word/Excel downloads in ISOnet. Fast Track reports are ASDI circular components, not a separate Source. Outputs are aggregate benchmarks, not carrier-specific records; optional customized reports and consulting are excluded.

Standing U.S. commercial aggregate property/casualty benchmark product. ISO DataCube provides the latest available five years of class-level premium and loss experience for commercial auto, general liability, commercial property, businessowners, homeowners, personal auto, dwelling, and documented personal-liability content. Buyer-selectable dimensions include state, experience year (and quarter for applicable lines), classification, coverage, subline, type of loss, and exposure basis. Direct outputs include paid/incurred loss and count measures, premium, exposure, frequency, severity, loss ratio, pure premium (loss/earned exposure), and applicable aggregate loss costs at current level. Line-specific notes document developed versus undeveloped experience, anticipated-ultimate settlement treatment, LAE treatment, basic/total-limit treatment, and salvage/subrogation netting. ISO Market Landscape is the coordinated visualization/dashboard surface, not a separate Source. Optional contributor own-book comparisons and all customer-specific portfolio results are excluded from the external benchmark inventory.

Commercial U.S. advisory insurance-content family spanning commercial and personal lines. It supplies policy forms, rating rules, prospective loss costs and loss-adjustment-expense treatment, pricing circulars, and documented actuarial methodology. Licensed customers can download current and immediately prior loss costs, plus percentage change, by licensed line and jurisdiction through Consolidated Loss Costs Download in ISOnet. It does not establish a particular insurer's adoption, deviation, multiplier, or regulatory approval.