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Touchstone Exposure Data Validation Reference
Touchstone Exposure Data Validation Reference
The detailed information in the Touchstone Exposure Data Validation Reference will help you maximize your success when importing and adding exposure data into Touchstone.
Exposure Data Validation Reference
Reference: exposure data
Workers' Compensation
Workers' compensation default values
Default values for workers' compensation:

UNICEDE/2 Reference
UNICEDE/2 information enables primary insurers and their treaty reinsurers to exchange aggregate sums insured, risk count, payroll and premium data in a format that you can import easily.
Touchstone Exposure Data Validation Reference
- Touchstone and UNICEDE
  Verisk provides a public reference to support the validation of UNICEDE-format exposure data in Touchstone.
- What's new
- Revision history
  Summary of the change history for the Touchstone Exposure Data Validation Reference since its initial release.
- Touchstone Exposure Data Validation Reference
  The detailed information in the Touchstone Exposure Data Validation Reference will help you maximize your success when importing and adding exposure data into Touchstone.
  - Exposure Data Validation Reference
    - Validation rules for exposure data
      Validation rules that Touchstone applies during import.
    - Reference: exposure data
      - Financial terms
        When working with policy terms in Touchstone, it is important to understand the financial terms that are supported and the combinations of the financial terms that are valid for running detailed loss analyses.
      - Currency codes
        Currency codes supported by Touchstone during import.
      - Peril codes
        Perils affect risks and losses associated with Touchstone exposures.
      - ISO country codes
        Touchstone supports ISO 2-character country codes.
      - CRESTA and area codes
        CRESTA and area codes supported by Touchstone.
      - Touchstone construction and occupancy class codes
        The construction and occupancy class codes that you assign to each exposure have an impact on Touchstone analysis results.
      - Workers' Compensation
        Workers' compensation default values
        Default values for workers' compensation:
        Shift and injury type definitions
        This topic includes workers' compensation definitions for shifts and for injury types for the United States and Japan.
        Differences between property and workers' compensation exposure data
        Workers' compensation policies and certificates require special consideration at the policy/certificate and location levels.
  - Earlier Versions: Exposure Data Validation Reference

Workers' compensation default values

Default values for workers' compensation:

The following table lists Touchstone default occupancy rates for the percentage of covered employees at a location during specified times. Occupancy rates vary with the day of the week. Assumed occupancy times are Monday through Saturday. Assumed occupancy rates for Sunday are the same as the nighttime rates shown. Holidays are handled like any other day.


Occupancy Category	Night (7 pm - 6:59 am)	Day (9 am - 4:59 pm)	Commute (7 am - 8:59 am, 5 pm - 6:59 pm)
Residential (codes 301-310)	0.99	0.80	0.95
Commercial (codes 311-320)	0.02	0.98	0.50
Industrial (codes 321-330, Industrial Facilities (400-series codes)	0.10	0.80	0.50
Other (including unknown)	0.02	0.98	0.50

Personal accident default values

The following table lists Touchstone personal accident default values for the percentage of covered employees who will be at the location during the specified times:


Occupancy Category	Morning (6 am - 5:59 pm)	Night (6 pm - 5:59 am)
Residential (codes 301-310)	0.80	0.99
Industrial (codes 321-330, Industrial Facilities (400-series codes)	0.98	0.02
Industrial (codes 321-330, Industrial Facilities (400-series codes)	0.80	0.10
Other (including unknown)	0.98	0.02