{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/verisk/refs/heads/main/json-schema/insurance-analytics-claims-benchmarks-schema.json",
  "title": "ClaimsBenchmarks",
  "description": "ClaimsBenchmarks schema from Verisk Insurance Analytics API",
  "type": "object",
  "properties": {
    "lineOfBusiness": {
      "type": "string",
      "example": "example-value"
    },
    "state": {
      "type": "string",
      "example": "CA"
    },
    "year": {
      "type": "integer",
      "example": 2025
    },
    "metrics": {
      "type": "object",
      "properties": {
        "frequency": {
          "type": "number",
          "description": "Claims frequency per 100 exposures"
        },
        "averageSeverity": {
          "type": "number",
          "description": "Average claim severity in USD"
        },
        "lossRatio": {
          "type": "number",
          "description": "Loss ratio as decimal (0.0-1.0+)"
        },
        "combinedRatio": {
          "type": "number"
        }
      },
      "example": {}
    },
    "sampleSize": {
      "type": "integer",
      "description": "Number of policies in benchmark sample",
      "example": 100
    },
    "source": {
      "type": "string",
      "description": "Data source and vintage",
      "example": "Verisk ISO"
    }
  }
}