Hollomere Insurance

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.