Casualty Actuarial Society

Research

A. M. Best Insurance Data

This page points to insurance data available from A. M. Best Company.

More detailed information about A. M. Best Property and Casualty Insurance database products can be obtained from their world wide web site.  The address for A. M. Best's home page on the World Wide Web is http://www.ambest.com.


Details on the A.M. Best Database


Like OneSource, A.M. Best is a valued added reseller of NAIC annual statement data. A.M. Best runs each company's statement data through a rigorous process of intra and inter­page cross checks to ensure accuracy. Furthermore, A.M. Best also provides other useful information that extends well beyond the data on a company's annual statement.

The two key file types of interest to researchers include the A.M. Best Statement and Product Files. Statement Files retain the basic organization structure of the NAIC annual statement. All key data items found on a given page or schedule are presented in an individual file. Product Files present selections of data provided in several of A.M. Best's print publications, such as Best's Insurance Reports, Best's Insurance News, Best's Key Rating Guide, Best's Market Guide, and Best's Experience By State (By Line). Furthermore, A.M. Best also provides a Custom Files service that supports the creation of custom data selections. Furthermore, Best's has developed its own proprietary network for online access to data called BestLink, allowing access via local access telephone numbers as well as with IBM's advantis network. The pricing of these services (valid as of March 1996) are as follows):

STATEMENT FILES retain the basic organization structure of the NAIC annual P statement. All key data items found on a given page or schedule are presented in an individual file.

Statement Pages Included on File Standard Products Available Any Single Year of Data Each Additional Year of Data Five Years of Data
PC­BF­01 Balance Sheet 2,3 Tape/Disk $525 $175 $1,050
PC­BF­02 Income Statement 4 Tape/Disk $375 $125 $750
PC­BF­03 Cash Flow 5 Tape/Disk $375 $125 $750
PC­BF­04 Investment Income & Capital Gains/Losses 6 Tape/Disk $525 $175 $1,050
PC­BF­06 Premiums Written (By Line) 8 Tape/Disk $525 $175 $1,050
PC­BF­09 General Expenses 11 Tape/Disk $525 $175 $1,050
PC­BF­11 Stocks&Bonds­Summary 29 Tape/Disk $555 $185 $1,110
PC­BF­12 Bonds­Quality&Maturity Distribution 30­33 Tape $975 $325 $l,950
PC­BF­14 Loss Reserves 72­126 Tape/CD $8,500 N/A N/A
PC­BF­14­Z Loss Reserves­Summary 72,73 Tape $850 N/A N/A
PC­BF­15 Direct Business (By State) 131 Tape/Disk $525 $175 $1,050
PC­SF­16 Underwriting Analysis with Ratios (By Line) ­ IEE IEE Tape/CD $1,200 $400 $2,400
PC­SF­52* P/C Best's Statement File (with Best's Ratings) N/A CD N/A N/A $10,000

PRODUCT FILES present selections of data provided in several of A.M. Best's Statement printed publications, such as Best's Insurance Reports, Best's Key Rating Guide, Best's Market Guide, and Best's Experience By State (By Line).

Statement Pages Included on File Standard Products Available Any Single Year of Data Each Additional Year of Data Five Years of Data
PC­PF­01 Name & Address N/A Tape/Disk $450 N/A N/A
PC­PF­02* P/C Exp. by State (By Line) All Sts.­Standard Lines 14:All Sts. Tape/CD $4,500 $1,500 $9,000
PC­PF­02A* P/C Exp. by State (By Line) Standard Lines 14:Ea. St. Tape $375 $125 $750
PC­PF­03* P/C Exp. by State (By Line) All Sts.­Combined Lines 14:All Sts. Tape $4,500 $1,500 $9,000
PC­PF­03A* P/C Exp. by State (By Line) Per St.­Combined Lines 14:Ea. St. Tape $375 $125 $750
PC­PF­05* P/C Key Rating Guide (with Best's Ratings)-Regular Service N/A Disk N/A N/A $175
PC­PF­05* P/C Key Rating Guide (with Best's Ratings)-Full Service N/A Disk N/A N/A $535
PC­PF­05S P/C Key Rating Guide-Supplement (2nd & 3rd Qtrs.) N/A Disk N/A N/A S75
PC­PF­50 P/C Best's Ins. Reports (with Best's Ratings)-Regular Service . . N/A CD $2,500 N/A N/A
PC­PF­50 P/C Best's Ins. Reports (with Best's Ratings)-Full Service N/A CD $2,860 N/A N/A
PC­PF­01 Name & Address N/A Tape/Disk $450 N/A N/A

BESTLINK SERVICES is A. M. Best's proprietary online database that provides continually updated financial data on more than 3,800 insurers, as well as daily insurance-related news.

Unlimited Access Options

Users requiring frequent and extensive access to one or more BestLink databases can purchase the right to unlimited access to the file(s) by prepaying the equivalent of the basic file cost (magnetic tape or CD­ROM file) plus 30%. If you have already purchased a current data year file on tape or CD­ROM, you can be credited the tape or CD­ROM price toward the unlimited access price and charged the additional 30%. (Example: If you purchased the Statement File at $10,000, you can receive unlimited BestLink access for an additional $3,000.)* Note: The $15 per hour Connect Time charge will still apply.

Tape/CD Price Unlimited Online Access Charge (30%) Total Price
Loss Reserves/Schedule P (P/C) $8,500 $2,550 $11,050
Schedule D (P/C) $3,060 $918 $3,978
Underwriting Analysis with Ratios (IEE)~(P/C) $2,400 $720 $3,120
Experience By State (By Line)-Std. Lines (P/C) $9,000 $2,700 $11,700
Experience By State (By Line)-Cmb. Lines (P/C) $9,000 $2,700 $11,700
Insurance News $500 $150 $650
Statement File* (P/C) $10,000 $3,000 $13,000
Best's Company Reports $2,500 $750 $3,250

*Best's Statement File on CD­ROM includes unlimited access to the corresponding databases on BestLink: Profile Annual, Profile Quarterly, Financial, Schedule D, and Reinsurance­Summary (P/C only).

CUSTOM FILES

To order custom data products, call A. M. Best Custom Products & Services at (908) 439­2200, extension 5383.