In motor third party liability possible risk bands might be i.e. private cars, taxis, trucks, petrol trucks. Each risk band is specified in an own table row containing the following information:

• maximal sum insured
• average sum insured
• premium
• number of policies

In case the parameterization contains surplus reinsurance treaties, the sum insured information and at least two risk bands are required. When using a surplus contract, it is also essential to select the allocation properties.

The following components are normally requesters of underwriting information:

• claims generators, as their calibration may be based on sum insured, premium, number of policies;
• frequency generators, as their calibration may be based on number of policies;
• sum insured to claims allocators;
• proportional reinsurance contracts as they need gross underwriting information in order to calculate the ceded underwriting information;
• working/cat excess of loss and stop loss reinsurance contracts, as the ceded premium may be specified as gnpi, rate on line and number of policies.

There are different ways of generating claims containing risk profiles:

• a claims generator per risk profile
• allocating a risk profile to a claim. The current allocator component offers three different strategies:
  
• none: if a parameterization has no surplus contracts, there is no sense to waste runtime by allocating claims to risk profiles
• risk to band
• sum insured generator

Detailed information on the later two strategies is available in a pdf.

Parameterization is done with a quantity structure describing the price per exposure unit, the written exposure and the used exposure base (i.e. absolute, written premium, number of policies, sum insured).