Historical Exposures at Present Company Rates
- obtain the actual exposures by class and location for each year and subline
- multiply the exposures by the current basic limit company rates
- multiply result by ILFs at the basic per occurrence limits and actual policy annual aggregate limits
- sum results across classes and locations to get 1 premium for each subline / year
- multiply by ELR and detrend factor (5C), but not Table 13B/C since rates are already appropriate for the policy type in each year of the experience