IDEAS home Printed from
   My bibliography  Save this article

Insurer Provide Rating Software and Competitive Advantage: An Evaluation Based on BOP Insurance Applications at Wisconsin Agencies


  • Thomas A. Aiuppa
  • William E. Wehrs


This research examines whether a competitive advantage exists for insurers which provide independent agencies with rating software to generate price quotes. Data relative to the Business Owners line of insurance were collected from several Wisconsin agencies which represent several BOP insurers, some of which provide software for rating BOP applications. The results indicate that providing rating software did not increase insurers’ business volumes, but may decrease their underwriting costs. Insurers which already are developing such software for their own use, may benefit if the marginal cost of disseminating the software to agencies is low.

Suggested Citation

  • Thomas A. Aiuppa & William E. Wehrs, 1993. "Insurer Provide Rating Software and Competitive Advantage: An Evaluation Based on BOP Insurance Applications at Wisconsin Agencies," Journal of Insurance Issues, Western Risk and Insurance Association, vol. 16(2), pages 1-19.
  • Handle: RePEc:wri:journl:v:16:y:1993:i:2:p:1-19

    Download full text from publisher

    File URL:
    Download Restriction: no

    More about this item


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:wri:journl:v:16:y:1993:i:2:p:1-19. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (James Barrese). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.