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	Historical Loss Data
	5-year accident year experience by risk class. Blue values are user inputs (sample data for illustration).
	Aggregate Loss Experience by Accident Year
	Accident Year	Earned Premium	Reported Losses	Paid Losses	Case Reserves	IBNR Reserve	Ultimate Losses	Claim Count	Loss Ratio
	2021	$68,500,000	$38,200,000	$37,100,000	$1,100,000	$350,000	$39,650,000	2,640	57.9%
	2022	$73,200,000	$41,800,000	$39,900,000	$1,900,000	$520,000	$44,220,000	2,810	60.4%
	2023	$78,800,000	$44,500,000	$41,200,000	$3,300,000	$980,000	$48,780,000	2,950	61.9%
	2024	$84,100,000	$47,600,000	$42,800,000	$4,800,000	$1,650,000	$54,050,000	3,120	64.3%
	2025	$89,500,000	$50,200,000	$40,500,000	$9,700,000	$3,800,000	$63,700,000	3,280	71.2%
	Total / Average	$394,100,000	$222,300,000	$201,500,000	$20,800,000	$7,300,000	$250,400,000	14,800	63.5%
	Loss Development Factors (LDF) - Chain Ladder
	Development Period	12-24 Mo	24-36 Mo	36-48 Mo	48-60 Mo	60-Ult	CDF to Ult
	2021	1.180	1.060	1.025	1.010	1.005	1.301
	2022	1.200	1.070	1.028	1.012		1.376
	2023	1.220	1.080	1.030			1.440
	2024	1.250	1.090				1.489
	2025	1.280					1.441
	Selected LDF	1.226	1.075	1.028	1.011	1.005	1.376
	Loss Distribution by Risk Class (Latest Year - 2025)
	Risk Class	Earned Premium	Incurred Losses	Claim Count	Avg Severity	Loss Ratio	% of Total Loss
	Class 1 - Preferred	$25,060,000	$11,780,000	520	$22,654	47.0%	23.5%
	Class 2 - Standard	$32,220,000	$17,420,000	1,180	$14,763	54.1%	34.7%
	Class 3 - Moderate	$17,900,000	$10,740,000	780	$13,769	60.0%	21.4%
	Class 4 - Substandard	$9,845,000	$6,700,000	510	$13,137	68.1%	13.3%
	Class 5 - High Risk	$4,475,000	$3,560,000	290	$12,276	79.6%	7.1%
	Total	$89,500,000	$50,200,000	3,280	$15,305	56.1%	100.0%
	Note: All loss data is sample/placeholder. Replace with actual accident year data from your loss runs.