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	Risk Classification
	Risk class definitions, rating relativities, territory factors, and exposure distribution
	Risk Class Detail & Rating Relativities
	Risk Class	Relativity	Policy Count	Exposure %	Avg Claim Freq	Avg Claim Sev ($)	Expected Loss Cost	Risk Score	Underwriting Notes
	Class 1 - Preferred	0.75	4,200	28.0%	3.5%	$9,200	$242	0.03	Best risk; clean history 5+ yrs
	Class 2 - Standard	1.00	5,400	36.0%	5.5%	$12,800	$704	0.06	Base class; average risk profile
	Class 3 - Moderate	1.25	3,000	20.0%	7.5%	$16,200	$1,519	0.09	Some adverse factors present
	Class 4 - Substandard	1.55	1,650	11.0%	10.0%	$21,500	$3,333	0.17	Elevated risk; surcharges apply
	Class 5 - High Risk	2.00	750	5.0%	14.0%	$32,000	$8,960	0.35	Highest tier; maximum rate applies
	Total / Weighted Avg	1.09	15,000	100.0%	6.3%	$14,389	$1,439
	Territory Rating Matrix
	Territory	Factor	Policy Count	Exposure %	Avg Loss Ratio	Avg Claim Sev ($)	CAT Exposure
	Territory A - Urban	1.25	4,800	32.0%	64.0%	$17,200	High
	Territory B - Suburban	1.00	5,250	35.0%	58.0%	$13,500	Medium
	Territory C - Exurban	0.85	3,150	21.0%	52.0%	$10,800	Low
	Territory D - Rural	0.72	1,800	12.0%	48.0%	$8,200	Low
	Total / Weighted Avg	1.01	15,000	100.0%	57.5%	$13,481
	Combined Risk-Territory Relativity Matrix
	Risk Class \ Territory	A - Urban	B - Suburban	C - Exurban	D - Rural
	Class 1 - Preferred	0.938	0.750	0.638	0.540
	Class 2 - Standard	1.250	1.000	0.850	0.720
	Class 3 - Moderate	1.563	1.250	1.063	0.900
	Class 4 - Substandard	1.938	1.550	1.318	1.116
	Class 5 - High Risk	2.500	2.000	1.700	1.440
	Deductible & Limit Adjustment Factors
	Option	Deductible	Ded Factor	Policy Limit	ILF
	Option 1	$500	1.08	$100,000	0.72
	Option 2	$1,000	1.00	$300,000	0.85
	Option 3 (Base)	$2,500	0.88	$500,000	1.00
	Option 4	$5,000	0.76	$1,000,000	1.18
	Option 5	$10,000	0.62	$2,000,000	1.38
	Note: All sample data above is for illustration. Replace with actual company rating plan data.