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1、2014-CAS8§21Robertson,HazardGroupMappingHCM5/13/14,Page1255Section21,Robertson,NCCIʼs2007HazardGroupMapping908909Asdiscussedpreviously,WorkersCompensationclassesaregroupedintoHazardGroups.HazardGroupsareusedtodetermineExcessLossFactorsandState/HazardGro
2、uprelativities,usedinRetrospectiveRating.910HazardgroupassignmentsarethesameinallstateshandledbytheNCCI.Hazardgroupassignmentsareupdatedperhapsonceadecade.Priorto2007,theNCCIhadfourhazardgroups,withIbeingtheleasthazardousandIVbeingthemosthazardous.911In
3、2007,NCCIrevisedtheassignmentstohazardgroup.Thenumberofhazardgroupswasincreasedfromfourtoseven:AtoG.912Alsotherewasamajorrevisioninhowtheassignmentsweremade.ThepaperbyRobertsondiscussesthischange.913AnExampleofRetrospectiveRatingValues:914ExcessLossPure
4、PremiumFactors,$100,000AccidentLimit,byHazardGroup:ABCDEFG0.2610.3170.3470.3810.4220.4780.531ExcessLossAndAllocatedExpensePurePremiumFactors,$100,000AccidentLimit:915ABCDEFG0.3230.3860.4200.4560.5020.5620.617HazardGroupDifferentials:916ABCDEFG1.751.311.
5、171.050.910.740.56908“NCCIʼs2007HazardGroupMapping,”byJohnP.Robertson,Variance,Vol.3,Issue2,2009.CASLearningObjectiveA1.909Addedtothesyllabusforthe2011exam.910SeeGillamandSnader,“W.C.ExcessRatios”byMahler,andtheNCCIRetrospectiveRatingPlan.911Mostoftheex
6、posurewasinhazardgroups2and3.Californiahad9hazardgroupsatthetimeRobertsonwrotehispaper,buthassincereduceditsnumberofhazardgroupsto7,thesamenumberchosenbyRobertson.912Examplesofclasses,ineachHazardGroup:8800MailingorAddressingCompany,inHazardGroupA.9060C
7、lub-country,golf,fishing,yacht,inHazardGroupB.8810ClericalOfficeEmployees,inHazardGroupC.7380Drivers,Chauffeursandtheirhelpers-commercial,inHazardGroupD.3004IronorSteel:SteelMakinganddrivers,inHazardGroupE.5403Carpentry,inHazardGroupF.5069IronandSteelEr
8、ection,inHazardGroupG.913Besidesthingsthatweredoneinthefinalmapping,Robertsonalsodescribesthingsthatweretriedorcouldhavebeentried,butwerenotusedinthefinalanalysis.914ForAlaska,takenfromtheNCCIRetrospectiveRatingPlaneffectiveJanua
