Insurance Carrier Pricing Loss Cost Multiplier Ranges Implied Average Loss Cost Multiplier 1.50 1.45 1.4243 1.4327 1.3977 1.40 1.3735 1.3403 1.35 1.3258 1.3114 1.30 1.25 1.20 2009 2010 2011 2012 2013 2014 2015 Source: DE Market Profile Reports