Program Loss-Ratio Guardian · Brief 02

Winner Replication Playbook

Golf & Country Club (47% loss ratio · 80% combined) — the winning signature, and where to port it

DataGenie Brief · autonomous
3 programs compared · contribution analysis · illustrative

The one line you configure

Why does Golf & Country Club run so far ahead of the book — and what would porting its discipline do for the programs drifting toward the cancel line?

At a glance

Golf · Loss Ratio~47%vs ~64% bookbest-in-book

Golf · Combined80%well under 100profit-commission earner

Golf · Severity~$17Kvs $37K police book

Golf · Litigation7%vs 40% base

The signature

Firm, disciplined rate38%

Benign class filters27%

Low litigation exposure22%

Argo capacity + producer mix13%

Side by side

Golf & Country Club

the winner

47%

Rate disciplinefirm

Severity~$17K

Litigation rate7%

Combined ratio80%

Gap to close—

Habitational

drifter · winter severity

71%

Rate disciplinelagging

Severity~$29K

Litigation ratelow (cat-led)

Combined ratio109%

Gap to close~29 pts

Municipal Law Enforcement

drifter · social inflation

71%

Rate disciplinelagging

Severity~$37K

Litigation rate40–55%

Combined ratio110%

Gap to close~30 pts

What · Golf runs ~30 combined-ratio points below the drifters

Golf & Country Clubthe winner80%

Habitationaldrifter109%

Municipal Law Enforcementdrifter110%

Same combined-ratio scoreboard, very different places on it — the gap is exactly the pricing-and-severity discipline Golf runs and the drifters don't.

Where · low litigation exposure maps cleanly onto low loss ratio

The lower a program's litigation exposure, the lower its loss ratio — except Habitational, whose 71% is weather severity and cat, not court. Litigation-heavy lines (police liability) are where the winner's discipline matters most.

So what

Golf's 47% loss ratio is not luck — 38% of the outperformance is firm rate, the rest is benign class filters, low litigation exposure and disciplined producer mix on Argo capacity. The programs drifting toward the cancel line share none of those. Decoding Golf's signature is the template for the emergency re-rate on Municipal Law Enforcement and the endorsement review on Habitational.

The points that matter

The win is a signature, not a fluke

60% of Golf's outperformance traces to firm rate plus benign class filters — both steerable, both absent on the drifters.

60%explained

Severity is the fork in the road

Golf's ~$17K severity and 7% litigation sit next to Municipal Law Enforcement's ~$37K and ~55% — the same discipline that keeps Golf at 80% is what the police book is missing.

$17Kvs $37K

This is the template for the fix

Golf earns its profit commission at an 80% combined; porting the rate-and-filter discipline is exactly the re-rate playbook for the programs over 100%.

80%combined

Questions it already answers

What specifically makes Golf clean — rate, class filters, or producer mix?

Firm rate first (38% of the gap), then benign class filters and low litigation exposure, placed through a disciplined producer mix on Argo capacity.

Which of Golf's levers would move Municipal Law Enforcement the most?

Rate re-rating and tightening the litigious IL/CA class filters — the severity and litigation lines are exactly where Golf's discipline shows up.