Which exhibit would you consult to analyze five-year trends in written premium and loss ratios?

• A. Schedule P
• B. Schedule T
• C. Five-Year Historical Data exhibit (CY)
• D. U&IE by line of business

Answer: (C)

To study five-year trends in written premium and loss ratios, you need a source that presents data across multiple years in one place. The Five-Year Historical Data exhibit (CY) is designed for this purpose, listing written premium and loss ratio figures for each of the past five years so you can see how premiums and loss experience have changed over time. Other exhibits focus on reserves, losses, or operating data by line of business, but not the explicit five-year trend view. So this exhibit is the best choice for analyzing five-year trends.