Hollomere Insurance
Premium, claims, underwriting funnel, and loss ratios
About Hollomere Insurance
Industry
Personal-lines property and casualty insurance analytics
Lines of business
3 (Personal Auto, Homeowners, Personal Umbrella)
Footprint
28 states across four regions
In-force book
grows from about 75K to about 87K policies in force across the two-year window
Premium scale
about $266M earned and $256M written premium over the two-year window
Profitability
about a 63% loss ratio and a 96% combined ratio
Claims scale
about 11K claims over the window
Dataset scope
16 Professional-tier tables
Hollomere Insurance is a fictional mid-market property and casualty carrier created for synthetic BI demos and training; it represents no real insurer, agency network, policyholder base, claim history, or rating system. The kit presents a believable personal-lines carrier where BI builders move from headline premium and loss-ratio trends into line and state profitability, the quote-to-bind funnel, claims frequency and severity by peril, claim development, and the monthly in-force book. It is built for actuarial, underwriting, pricing, claims, and distribution teams rather than as a policy-administration or statutory system of record.
Operating Profile
- Writes Personal Auto, Homeowners, and Personal Umbrella through independent agencies, a captive force, and a direct channel.
- Policyholders bind an annual term whose written premium earns over the term, and about 84% of terms are retained.
- Covers quotes and binds, premium transactions, claims with long-tailed severity, claim development, the in-force book, and ratio summaries.
- Excludes real identities, addresses, VINs, rating algorithms, telematics, catastrophe models, reinsurance treaties, and statutory filings.
Recent Business Events
- 1Homeowners runs a combined ratio near 105% on catastrophe-driven severity while Personal Auto holds about 91% and Personal Umbrella about 92%.
- 2Homeowners sits roughly 11 points above its target loss ratio and Personal Auto about 6 points below, putting rate action on the property book.
- 3The book grew about 15% over the window, from roughly 75K to 87K policies in force, with all three lines expanding at a similar pace.
- 4Weather losses run about 1.6 times costlier in the most exposed states, and peril mix rotates from winter freeze to summer hail, wind, and lightning.
- 5Captive agencies bind about 34% of quotes against 29% for independents and 22% direct, shaping distribution investment.
These are the operating questions this kit is optimized to answer first.
Earned and written premium, incurred losses, loss ratio, and combined ratio
Quote volume, bind rate, and bound premium by channel, agency, and line
Claim frequency, average severity, and incurred losses by peril and coverage
In-force policy count, annualized premium, and retention by household segment and tenure band
Average premium per policy by household segment, spanning about 2.4 times
Embedded Analytical Stories
Monthly profitability
Connect earned premium, incurred losses, expense, loss ratio, and combined ratio by line and state.
Underwriting funnel
Follow quotes through bind outcomes to bound premium by channel and agency, and find where quotes leak.
Frequency and severity
Follow losses by peril into a long-tailed severity distribution, then into claim development.
In-force and retention
Track the growing monthly book by line and state, and compare retention across household segments and tenure bands.
Premium roll-up
Summary earned premium traces to per-policy detail and incurred losses to the claim transactions.