Data Metrics and Aggregation Standards

This section defines the standards used to aggregate, normalize, and present insurance pricing and risk data across the platform. The objective is to provide transparency into how metrics are constructed and how aggregated outputs should be interpreted.

All aggregation governed by RDRS is anchored at the asset level. Each reported metric ultimately derives from documented associations between a specific policy, a specific asset, and a specific policy term. This design minimizes distortion arising from heterogeneous asset mixes, uneven policy limits, or inconsistent policy structures.

Aggregation Grain and Data Structure

Curated data is organized into structured datasets by product type. Each row represents a unique policy × asset × policy term association. These records serve as the authoritative inputs for all downstream aggregation, indexing, and reporting within the Market Terminal.

Pricing Association

Rate on Line (RoL) and related pricing metrics are calculated and stored at the asset–policy level. Each pricing value is directly associated with the insured asset exposure and the coverage limit to which it applies. This ensures that pricing signals remain aligned with underlying risk characteristics and coverage structure.

Like-for-Like Aggregation

Aggregation is performed only across like assets and like coverages. Comparability is preserved by combining metrics solely where asset characteristics, coverage types, and exposure drivers are sufficiently similar under RDRS definitions.

Geographic aggregation preserves underlying ZIP code granularity and proceeds through a controlled hierarchy:

• ZIP code
• City
• State
• Peril

This structure ensures that higher-level indices reflect the composition of their underlying assets rather than obscuring variation through over-aggregation.