Property Insurance Analytics (ISE 547)

Loss ratio analysis, peril composition, and premium/loss aggregation using ISO property insurance data.

This project explores property insurance data provided by ISO (Insurance Services Office), focusing on the analysis of earned premiums and loss-adjusted expenses (LAE) across geographic granularities (state and ZIP code) and peril types (type of loss, TOL).

Key objectives include:

  • Aggregating earned premium and loss+LAE by state and ZIP code across multiple policy years.
  • Computing loss ratios to assess the financial performance of insurance portfolios.
  • Analyzing the composition of losses by TOL (type of loss / peril) to understand which perils drive total claims.
  • Building SAS-based workflows for reproducible, year-level and geography-level reporting.

This project is part of ISE 547 at USC.

Project Updates