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business in a that city. For over a century, insurance companies have recognized that <br /> doing business in some cities is more profitable that doing business in other cities. <br /> Statistical data is now available for charting loss ratios in the larger cities. Furthermore, <br /> the expense of doing Public Protection Surveys in these cities cannot be justified. A <br /> selected group of large cities in several states have been classified as experience rated <br /> cities. <br /> Experience rated cities retain the Public Protection Classification from the last <br /> ISO/CRS Survey. A factor is used to adjust the existing city class up or down based on <br /> loss experience. Under current ISO/CRS policy, the statistically rated cities will not be <br /> surveyed in the future. <br /> Table C lists each state and their statistically rated cities. The effective date is <br /> 1992. <br /> 3.11 Administrative Perspective <br /> ISO/CRS plans to continue applying the FSRS for the purpose of developing city <br /> Public Protection Classifications well into the 21st century. Individual cities with <br /> populations up to 250,000 simply do not provide sufficient loss cost data for property <br /> insurance underwriting. <br /> Member companies of ISO/CRS will continue to support the PPC program. Cities <br /> may expect to be graded approximately every 10 years. However, a city may request a <br /> • survey if factors relating to the grading show a demonstrated improvement that would <br /> result in an improved grading. <br /> There is a national movement by the International City Management Association <br /> and the International Association of Fire Chiefs to develop a fire protection accreditation <br /> system for cities. Any accreditation system will not replace the PPC process developed <br /> by application of the FSRS. That process will be independent of the ISO/CRS Public <br /> Protection Classification. <br /> 31 <br /> '1 <br />