Industry claim severity benchmarks

ASDI’s current scheduled circulars directly provide statewide, regional, and multistate average paid or incurred claim-cost and severity results by supported line, coverage, geography, experience period, and, for applicable analyses, valuation date. Use only the basis stated in the licensed circular; public evidence does not establish a universal currency/scale, claim definition, gross/net treatment, or method version.

The 2026 CompScope family compares 18 workers-compensation state systems using total cost per claim and medical and indemnity components, with injury-year cohorts, experience through 2025, multiple claim maturities, report edition, publication date, and state-report identifiers. Public evidence does not define paid/incurred/ultimate, currency/inflation, gross/net, component inclusion, or case-mix basis, which must be retained from the purchased report.

ISO DataCube reports paid/incurred losses, claim or occurrence counts, and severity for selectable U.S. line, coverage/subline, class, state, experience period, and loss-type cohorts, with applicable development or anticipated-ultimate, valuation, LAE, limits, and salvage/subrogation treatment. Retain annual release/as-of and line-specific basis; no universal currency-code, immutable revision, or gross/net field is documented.

State of the Line publishes ultimate medical, indemnity, and combined medical-plus-indemnity loss per ultimate lost-time claim, plus first-report medical paid-plus-case severity, with accident year, NCCI-state geography, industry/class/carrier cohorts, valuation and development basis, large-deductible exclusion, displayed dollar scale, and report edition.

FEMA identifies the public product as a dataset of NFIP flood-insurance claim transactions. Live rows expose cumulative paid building, contents, and increased-cost-of-compliance claim amounts together with loss year and date, geography, occupancy and building-description codes, building-versus-contents coverage amounts, most recent payment date, and dataset as-of date. These fields support calculation of observed average paid severity for explicitly selected NFIP flood cohorts by geography, coverage component, and available property-class dimensions. The result is an external NFIP programme benchmark, not an all-carrier, ultimate, prospective, gross or net, or development-adjusted industry benchmark.