发明名称 |
Systems and methods for optimizing property risk ratings |
摘要 |
Systems and methods provide optimized property risk ratings and, more particularly, optimized property risk ratings defined by evaluating ratings on a by peril basis. Systems and methods also price insurance products and underwrite insurance products using risk data that has been optimized on a by peril basis. A territory is subdivided into a plurality of regions determined in accordance with at least one predetermined factor. Loss costs representing historic costs for various insured perils are retrieved from a computerized database using a data processor. The loss costs are sorted on a per-peril basis for each of the regions using the data processor. Peril zones are created for each peril that represent related regions in which loss costs for a particular peril are roughly equivalent.
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申请公布号 |
US7769608(B1) |
申请公布日期 |
2010.08.03 |
申请号 |
US20050041469 |
申请日期 |
2005.01.25 |
申请人 |
ALLSTATE INSURANCE COMPANY |
发明人 |
WOLL RICHARD G.;BRINKMANN MARGARET A.;PECK ROSEMARY C. |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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