Specialty Line Frequency-Severity Simulator
Loss Distribution
Cumulative Projected Loss with 95% CI
Assumptions and Notes:
- Specialty line: simulated D&O or Cyber dataset.
- Frequency and severity modeled using normal approximation for demonstration.
- Confidence interval (95%) incorporates **credibility adjustment** to account for limited data.
- Large-loss events and extreme tails not explicitly modeled, but can be added in future enhancements.
- Industry data and trend factors assumed from public specialty insurance reports (mock values for demo).
- Interactive sliders allow testing sensitivity to frequency, severity, and credibility.