Market premium and loss-ratio benchmarks

ISO DataCube supplies aggregate written and earned premium, paid and incurred losses, and loss ratio for selectable U.S. line, coverage/subline, class, state, experience period, and loss-type cohorts. Retain written/earned, paid/incurred, annual release/as-of, monetary scale, development, LAE, limit, and salvage/subrogation basis; no universal currency-code or gross/net field is inferred.

ASDI provides aggregate premium and paid/incurred loss experience by supported line, coverage, class, territory or state, and reporting period, and explicitly provides incurred loss-ratio outputs in Fast Track and other line analyses. Limit the answer to the premium and loss bases named in the licensed circular; public evidence does not universally establish earned rather than written premium, a standalone earned-loss amount, direct/net basis, currency, or ratio denominator.

State of the Line publishes P/C and workers-compensation net written premium, workers-compensation residual-market premium/share, net incurred-loss-to-net-earned-premium loss ratio, and combined-ratio measures by line, year, carrier population, and documented geography. The link is limited to the emitted premium and ratio measures and does not infer a standalone earned-loss dollar amount.