| 摘要 |
In a computer system and computer implemented method for determining an insurance rate for terrorism-related property insurance, one or more industry classification attributes, indicative of an industry segment associated with the property, are selected. A basic rate is determined from rate values assigned to the selected industry classification attributes. One or more target classification attributes, indicative of the property's attractiveness as a target for terrorism, are also selected. An aggravating rate is determined from rate values assigned to the selected target classification attributes. The insurance rate is determined from the basic rate and the aggravating rate. The assignment of insurance rates to a property based on the selection of target classification attributes for the property makes it possible to include the risk of a terrorist attack in the rating process, without having to determine probability distributions of terrorist attacks or estimate expected loss caused by terrorist attacks.
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