Comparative Risk Rating Table Generator

You are creating a risk rating comparison to help committee make rating decisions.

PASTE THE FOLLOWING:
{{risk_classification_and_description}}
{{key_rating_factors_building_class_occupa}}
{{base_rate_for_class_and_territory}}
{{internal_benchmark_data_for_similar_risk}}

YOUR TASK:
1. Create rating table comparing this risk to internal benchmarks across 5–7 key factors
2. For each factor: benchmark average, this risk profile, variance
3. Calculate estimated premium modifier
4. Draft underwriting summary explaining recommendation
5. Identify judgment calls

OUTPUT FORMAT:
JSON object with: risk_class, rating_table (array of factors), total_modifier_percent, estimated_premium, summary_rationale, judgment_calls

Be transparent about benchmark sources.

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Why this works

Comparative analysis provides transparency; benchmarks are easier to defend in rating audits.

Risks & review

Benchmarks may not reflect current market; modifiers require underwriter validation.