Dean Analytic Schedule

The Dean Analytic Schedule is a method of rating commercial fire insurance policies based on various physical fire hazards.

Originally published by (and named for) A.F. Dean in 1902, the Dean Analytic Schedule was the first predetermined insurance schedule. It assigned a rating to a given policy using thorough, qualitative analysis, taking all the possible physical factors (which can impact a fire hazard) into consideration.

Although its methodology has become standard, the schedule itself is seldom used by modern insurance companies today. Most carriers have since developed their own custom schedules or instead use the one provided by the Insurance Services Office, a private provider of statistical, actuarial, underwriting, and claims information and analytics.