Abstract: A process for identifying a normalized insurance quality index of present and prospective insurance policies for an insurance book that can be utilized to more accurately predict present and future profitability on a standardized basis.

Abstract: A system and method that determines risk exposure for a selected site by using adjacency analysis to identify and process sites that may not be visible to the user on a display unit. The system determines the risk exposure for a selected site by using geographical adjacency to evaluate other sites for potential impact. The system geographically stores hazard sites and sensitive receptor sites. Moreover, the system creates and stores a sphere of influence and a sphere of receptivity for each hazard site and sensitive receptor site, respectively. For the selected site, the system calculates a sphere of evaluation based on a geographical location of the selected site and a given radial extent. The system determines if the sphere of influence or the sphere of receptivity intersects the sphere of evaluation and outputs the results of the intersection analysis to the display unit.

Abstract: A fully computerized insurance system is provided for processing and preparing applications for insurance and premium quotations and for preparing and writing insurance contracts. A central processor, including a data bank into which data is written and from which data is read, this data including information regarding the risk to be insured, client information, insurance premium information and predetermined text data for incorporation with insurance contracts, is interconnected with plural terminals, including input and display apparatus, to permit data to be entered and retrieved from the central processor. The central processor is also provided with the capability of merging entered or stored data with predetermined text data to compile data embodying a final insurance document. This data is then communicated to a printer for printing of the insurance document.