Which source would best show increased exposure to catastrophic or large events?

• A. Writings by state in Schedule T
• B. U&IE by line of business
• C. General interrogatories, Part 2
• D. Schedule P by line of business

Answer: (A)

Exposure to catastrophic or large events is driven by where the insurer’s risk sits geographically. Writings by state in Schedule T shows premium writings broken down by state, revealing the geographic distribution of exposure. If a large share of business is written in catastrophe-prone states, the potential impact of a big event is greater, so this source best highlights increased exposure to such events.

By contrast, Schedule P by line of business summarizes losses by line, which reflects past claims but not where the risk is concentrated. U&IE by line of business isn’t about geography, and general interrogatories Part 2 collects broad information rather than geographic exposure. So the writings-by-state view provides the clearest picture of geographic concentration and catastrophe exposure.