RoL Inputs by Policy Type

RoL calculations rely on policy-level inputs that materially influence pricing. All inputs are documentation-backed and subject to heightened validation due to their impact on downstream analytics and reporting.

General Commercial Package and Businessowners Package Policies

• Policy structure (standalone vs. blanket)
• Premium
• Occurrence limit
• Actual Loss Sustained (ALS) presence
• Replacement Cost Value (RCV) or insurable value
• Effective Gross Income (EGI)
• Business income limit

General Liability Policies

• Premium
• General aggregate limit

Commercial Property Policies

• Premium
• Policy structure
• Dwelling or property limit
• Actual Loss Sustained (ALS) presence
• Replacement Cost Value (RCV) or insurable value
• Effective Gross Income (EGI)
• Business income limit

Umbrella Policies

• Premium
• Umbrella liability limit

Fidelity Policies

• Premium
• Fidelity bond limit

Workers’ Compensation Policies

• Premium
• Employer’s liability limit

Terrorism Property Policies

• Premium
• Terrorism property limit

Auto Liability Policies

• Premium
• Auto liability occurrence limit

Boiler and Machinery Policies

• Premium
• Policy structure
• Boiler and machinery limit
• Actual Loss Sustained (ALS) presence
• Replacement Cost Value (RCV) or insurable value
• Effective Gross Income (EGI)
• Business income limit

Terrorism Liability Policies

• Premium
• Terrorism liability occurrence limit

Terrorism Package Policies

• Premium
• Policy structure
• Terrorism liability occurrence limit
• Terrorism property limit
• Actual Loss Sustained (ALS) presence
• Replacement Cost Value (RCV) or insurable value
• Effective Gross Income (EGI)
• Business income limit