Financial Services Industry
Industry: Email Alert RSS FeedISO study warns of risk-based capital problems. (Insurance Services Office)
National Underwriter Property & Casualty-Risk & Benefits Management, August, 1992 by Otis, L.H.
The Insurance Services Office has released a report cautioning that regulation of property-casualty insurers using a risk-based capital formula is only as efficient as the formula and data used, and questioning whether any such formula could adequately predict insolvencies. While it doesn't recommend not using such formulas to determine insurer financial strength, the ISO reports warns that if handled improperly significant negative problems can occur, ranging from premium increases to actually forcing financially sound carriers out of business.
ISO developed its own "linear regression" model for the statistical analysis of a number of variables including insurer size, line concentration, geographic diversification, type of ownership, reinsurance versus...
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