BI Reports

Those reports fall into several (sometimes overlapping) categories

Activities at a glance

we have several dashboards, bound and cancelled trends, retention by program trend

Bound Report
Cancellation Report
Cancellation Transaction Ratio
Dashboard 1
Dashboard 2
Transactions Ratio
Vehicles Report

Indicators closer look

retention with the accent on 2 month and 6 month into the life of a policy (!)

Retention by Month
Retention by Producer
Retention by Program

premium and loss report variations

Premium and Loss by Coverage
Premium and Loss by Producer
Premium and Loss by Program
Premium and Loss by Postal Code

book of business on a certain date

Inforce on Date

Loss Ratio and volume trends by state/program/producer

Loss Ratio by Class

Loss Ratio true analytics

General Loss Ratio Report

Loss Ratio in depth analysis by MVR state, driver class, household factor (we designed one)

Loss Ratio by Coverage
Loss Ratio by Coverage/Producer
Loss Ratio by Mileage
Loss Ratio by Producer
Loss Ratio by Postal Code

Customer relations strategy analysis

leaked equity analysis by program/time trend

Leaked equity report by pay plan

Producer deep analysis

Many segments (e.g. non-standard) of the Personal Auto market have a key dependency on the independent agents' sales channel.

The quality and reliability of the agencies (producers) varies.

We feel that a penetrating analysis of a producer's various stats can give a feel for a future loss ratio and the overall losses possible.

Producer Dashboard
Top Producers

Also such analysis as

reports about a number of transactions per term per producer

claim tail length

Claim Trail Report

number of claims frequency and severity are important

WP/EP trends are important

negative and leaked equity is important

driver class histogram can be interesting

even a number of endorsements with vehicle deletions can point to a begining of a decline in a neighbourhood

One of our research reports is to compare a syntetic household driver factor we invented
with against the Loss Ratio. Why? The way most raters assign drivers to vehicles is
highest rated to highest rated notwithstanding the self-entered vehicle use.
That means that it is possible that in average half of the cases that assignment
is overly conservative which is of course what the carriers want
(at least as a conservative approach)
But are there household configurations when the difference between
the conservative and the average assignments are the most stark
and the premium is too conservative and we lose business?

Household Loss Ratio

Claims reports

on the claims side we have:

claim triangles

Loss Triangles

average claim trail and incurred by coverage/program/producer

Claim Trail Report

number of claims,frequency and severity by producer/program trend

worst producers claim freq/severity by coverage,zip

outliers by producer by coverage freq/severity

Reports