ISO DataCube and Market Landscape
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…
Questions this answers
5 · best fit firstISO DataCube reports claim and occurrence counts and frequency per applicable earned exposure or earned-risk denominator for selectable U.S. line, coverage/subline, class, state, experience year or quarter, and loss-type cohorts. Retain annual release/as-of, experience period, denominator, development, LAE, limit, and salvage/subrogation basis; no universal immutable observation-level release key or gross/net field is documented.
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.
ISO DataCube defines pure premium as loss divided by earned exposure and supplies selectable state, class, coverage/subline, exposure, period, valuation, development, LAE, limit, and salvage/subrogation bases. Use only cohorts whose loss basis is documented as developed or anticipated ultimate, and retain annual release/as-of and line-specific denominator and basis.
ISO DataCube supplies written and earned exposure and risk counts, including house-year, car-year, and amount-of-insurance-year measures, across selectable U.S. state, line, coverage/subline, classification, period, and exposure basis. These are aggregate external-market measures; optional contributor own-book comparisons are excluded. Retain exposure definition, unit, period, and annual release/as-of.
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.
Fields it delivers
23 fieldsFirst-party Verisk product material represents this offering as a U.S. insurance-market product. The code denotes its product footprint, not complete records for every U.S. subject.
The first-party product and agreement evidence identifies customer-specific commercial, member, subscription, or enterprise access rather than an unrestricted no-charge business tier. That agreement is the ordinary eligible business route and requires paid commercial access; demonstrations or limited evaluation access are not alternatives.
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