Does Finger make this same adjustment when the loss ratio method is
used? I know Finger uses base exposures for the pure premium method.
Same idea different method??????
Homan (Homeowners) uses the loss ratio method for territorial
indications yet I do not think he makes an adjustment to the premiums to
be on a base territorial level??? Should premiums be adjusted???
In the hurricane paper, a pure premium (loss costs) method is used for
territorial indications. Are base exposures used here???? Should base
exposures be used??
Please Help!
Brad