Average insurance exposure

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.