Building

Year Premium Loss

cost index

2011 20,000 16,000 1.27

2012 21,000 12,000 1.25
2013 23,000 14,000 1.22
2014 25,000 15,000 1.2
2015 25,500 20,500 1.17
2016 26,750 16,750 1.15
2017 26,000 11,000 1.12
2018 27,000 45,000 1.1
2019 28,000 20,000 1.08
2020 28,500 14,500 1.05
2021 est 30000 1
 15000 35000

As if Loss
Premium
indexed loss 35000 xs
indexed
15000

25,400 20,320 5,320

26,250 15,000 -
28,060 17,080 2,080
30,000 18,000 3,000
29,835 23,985 8,985
30,763 19,263 4,263
29,120 12,320 -
29,700 49,500 34,500
30,240 21,600 6,600
29,925 15,225 225

289,293 64,973
pure rate 22.46%
pure rate + loading 32.08%
Reinsurance Premium 20,846.06
RoL 59.56%
 from to GP midpoint
- 2,000,000 10,000,000 1,000,000
2,000,000 4,000,000 9,000,000 3,000,000
4,000,000 6,000,000 8,750,000 5,000,000
6,000,000 10,000,000 8,500,000 8,000,000
10,000,000 15,000,000 2,500,000 12,500,000
15,000,000 20,000,000 1,500,000 17,500,000
20,000,000 25,000,000 500,000 22,500,000
25,000,000 30,000,000 350,000 27,500,000
- 30,000,000 41,100,000
25000 xs 5000 (000) deductible
Premium Premium
deductible deduct/midpoint credit (hold)
deductible retro
5,000,000 500.00% 100% 10,000,000 -
5,000,000 166.67% 100% 9,000,000 -
5,000,000 100.00% 100% 8,750,000 -
5,000,000 62.50% 92% 7,820,000 680,000
5,000,000 40.00% 82% 2,050,000 450,000
5,000,000 28.57% 73% 1,095,000 405,000
5,000,000 22.22% 69% 345,000 155,000
5,000,000 18.18% 66% 231,000 119,000
39,291,000 1,809,000
Rol
10,000,000
9,000,000
8,750,000
8,500,000
2,500,000
1,500,000
500,000
350,000
41,100,000
7.236%