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Progressive assumes no duty for the content or operation of the insurers' websites. Information supplied by an applicant or wispforums.com insured to a Business Owners, General Liability, Professional Liability or Workers' Compensation insurer is topic to its phrases of use and privacy policy, and could also be shared with us. Prices, coverages, privateness insurance policies and compensation rates may vary among the many insurers.
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A company with a combined ratio over 100% may nonetheless remain worthwhile due to funding earnings. At probably the most fundamental level, initial rate-making entails wanting on the frequency and severity of insured perils and the anticipated common payout ensuing from these perils. Thereafter an insurance firm will gather historical loss-data, convey the loss data to current value, and compare these prior losses to the premium collected in order to assess price adequacy.
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