A Research of Optimizing Fire Public Liability Insurance Rate

Abstract The insurance premium rate is researched in order to promote the social management function of fire public liability insurance and to improve the scientific and reasonable of underwriting. The fire risk liability assessment model is constructed using fuzzy mathematics comprehensive evaluation method .Based on the consistent of the premium rate and hazard of the insured, the different choices of the accumulative total liability limit have to respond to different benchmark rate a floating rate is optimized combining with risk score.