Every provision option on the Policy Design page ↗ carries a rating factor (its price relativity — 1.00 is neutral, 1.25 adds 25%) damped by a per-provision weight (how much that provision is allowed to move the price; 0 mutes it, 1 applies the factor in full). The cat-model scores load the result through a curve. This page is where the actuarial / pricing team owns those numbers — underwriters decide risk acceptance, but rates change here. Edit any number below and the sample premium re-rates instantly; Save puts the table into effect — the design page and pricing then rate with your table instead of the shipped defaults. In production this is a governed change with an effective date and a regulatory filing; here it applies immediately for demonstration.
The anchor everything multiplies against: base rate is dollars of premium per $1,000 of insured value (the exposure base). The minimum premium is the floor after all credits; fee and tax are added last.
How the climate scores (0–100 per peril) translate into premium load: multiplier = 1 + weight × (score ÷ 100) × max load. A wildfire score of 90 with weight 1.0 and max load 0.60 prices at ×1.54. Set weight to 0 to stop a peril from rating.
Fill-in fields (year built, roof age, reconstruction cost…) rate by band: the entered number falls into a range and takes that range's factor, damped by the field's weight — same mechanics as option factors. The insurance-to-value bands rate the ratio of Coverage A to reconstruction cost (under-insuring surcharges); the scheduled-property line is a flat add-on of $ per $1,000 of appraised value. Band thresholds are part of the product definition; the factors and weights are yours to tune.
One row per rate-bearing provision (its weight on the right), then each option's factor. ● below 1.00 = credit, ● above 1.00 = surcharge. Fields edited away from the shipped default get an amber outline. Provisions not listed here rate neutral (×1.00).