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At the most basic stage, preliminary ratemaking entails wanting at the frequency and severity of insured perils and the anticipated common payout resulting from these perils. Thereafter an insurance company will accumulate historic loss knowledge, carry the loss data to present value , and compare these prior losses to the premium collected in an effort to assess fee adequacy. 24 Loss ratios and expense masses are also used. Score for various threat traits entails on the most simple level evaluating the losses with “loss relativities”—a policy with twice as many losses would therefore be charged twice as much. More advanced multivariate analyses are generally used when multiple traits are involved and a univariate evaluation may produce confounded outcomes. Different statistical methods may be utilized in assessing the likelihood of future losses.
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