Pure premium

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.