Electronic files are available with industry benchmark payment and reporting patterns for claim counts and losses.  These patterns are available by state on a direct basis with additional information also available for reinsurance layers and many niche markets on a countrywide basis.

Pinnacle maintains an easy-to-use system for computing expected losses by layer for large workers compensation insureds, captives and other books of business with multistate exposure. Pinnacle has also developed systems for assessing payroll, frequency, and severity trends by state.

Pinnacle also has tremendous experience developing large account pricing systems for workers compensation products. These products typically incorporate both experience and exposure rating techniques, treatment of historical deductibles and benefits levels, and reflection of future fixed expenses and dividends.