1. Phil Bell, CPCU, ARM, ARe Brenda Gibson Brent Wells

2. Overview 1.Primary Insurance Pricing i.Liability ii.Workers’ Compensation iii.Property 2.Reinsurance Pricing i.Various Approaches ii.CRL’s Approach Premium = ???

3. Auto Liability

4. Underwriting/Pricing Information

7. Pricing Example

8. General Liability

9. Underwriting/Pricing Information

13. Pricing Example

14. Public Officials Liability

15. Underwriting/Pricing Information

16. Pricing Example

17. Law Enforcement Liability

18. Underwriting/Pricing Information

24. Pricing Example

25. Workers’ Compensation

26. Underwriting/Pricing Information

28. Pricing Example

29. Property

30. Underwriting/Pricing Information Schedule Data: - Address - Longitude/Latitude - Insurable Values - Occupancy Type - Construction Code - Year Built - Square Feet - Number of Stories - Sprinkler System - Alarm System - Flood Zone - Roofing Type - Historical Valuation - Renovation Dates

31. Pricing Example

32. Reinsurance

33. Various Approaches Exposure Rating - First Loss Scale - Price per Million + Additional Expenses - Internal - Retrocessional - Profit/Contingencies Experience Rating - Gather Loss Data - Trend/Develop Losses - Factor for Unused Exposure + Additional Expenses - Internal - Retrocessional - Profit/Contingencies Combination (Exposure and Experience Rating)

34. CRL’s Approach A Walkthrough Example