Insurer Use of Discriminatory Expense Loading for Insurance Rating Purposes

Mark L. Cross and Wallace N. Davidson

Journal of Insurance Issues, 1992, vol. 15, issue 2, 17-32

Abstract: This paper examines whether high insurance rates are possibly the result of an insurer’s discriminatory expense loading in heavily regulated insurance lines. The conclusion is, from a total expenses basis, that insurance companies are not unfairly loading expenses on heavily rate-regulated insurance lines.

Date: 1992
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