Loss Sensitive Program:
A Smarter Way to Take Control of Your Risk
Our Loss Sensitive Program is built for businesses ready to take a more active role in managing their insurance costs. By aligning your premium with your actual loss experience, you gain more control, more flexibility, and more opportunity to save.
Key Benefits:
Lower Long-Term Costs
Cash Flow Advantage
Aligned Incentives
Customized Strategy
Whether you’re considering a deductible, retrospective rating, or captive solution, we tailor each program to maximize both protection and performance.
Let’s talk about how loss sensitivity can work for you.
Loss Sensitive Program:
A Smarter Way to Take Control of Your Risk
Our Loss Sensitive Program is built for businesses ready to take a more active role in managing their insurance costs. By aligning your premium with your actual loss experience, you gain more control, more flexibility, and more opportunity to save.
Key Benefits:
Lower Long-Term Costs
Cash Flow Advantage
Aligned Incentives
Customized Strategy
Whether you’re considering a deductible, retrospective rating, or captive solution, we tailor each program to maximize both protection and performance.
Let’s talk about how loss sensitivity can work for you.
Loss Sensitive Program:
A Smarter Way to Take Control of Your Risk
Our Loss Sensitive Program is built for businesses ready to take a more active role in managing their insurance costs. By aligning your premium with your actual loss experience, you gain more control, more flexibility, and more opportunity to save.
Key Benefits:
Lower Long-Term Costs
Cash Flow Advantage
Aligned Incentives
Customized Strategy
Whether you’re considering a deductible, retrospective rating, or captive solution, we tailor each program to maximize both protection and performance.
Let’s talk about how loss sensitivity can work for you.
You've got a loss ratio below 40%
The loss ratio represents the ratio of your losses against the premiums you pay to your insurer. And less than 40% means that your approach to risk management is just as exceptional as your performance in your market.
Are you one of the best at what you do?
As a privately-owned business, you’ve built your success around a strong set of values and a long-term mindset. You’re a standout, medium-sized business in your industry, paying insurance premiums upwards of $250k.
Are you paying big premiums for a few small clients?
Even though your losses are minimal, your premiums keep going up and up.
It’s frustrating because you know you’re subsidizing the claims of less well-run businesses. In effect, the better your own risk management practices are, the more you’re penalized by the traditional insurance market. It’s just not right.
As a top performer, the insurance market will never reward you for your good claims history. The longer you stay in it the more you’ll be subsidizing your less well-run competitors’ insurance costs.
You've got a loss ratio below 40%
The loss ratio represents the ratio of your losses against the premiums you pay to your insurer. And less than 40% means that your approach to risk management is just as exceptional as your performance in your market.
Are you one of the best at what you do?
As a privately-owned business, you’ve built your success around a strong set of values and a long-term mindset. You’re a standout, medium-sized business in your industry, paying insurance premiums upwards of $250k.
Are you paying big premiums for a few small clients?
Even though your losses are minimal, your premiums keep going up and up.
It’s frustrating because you know you’re subsidizing the claims of less well-run businesses. In effect, the better your own risk management practices are, the more you’re penalized by the traditional insurance market. It’s just not right.
As a top performer, the insurance market will never reward you for your good claims history. The longer you stay in it the more you’ll be subsidizing your less well-run competitors’ insurance costs.
You've got a loss ratio below 40%
The loss ratio represents the ratio of your losses against the premiums you pay to your insurer. And less than 40% means that your approach to risk management is just as exceptional as your performance in your market.
Are you one of the best at what you do?
As a privately-owned business, you’ve built your success around a strong set of values and a long-term mindset. You’re a standout, medium-sized business in your industry, paying insurance premiums upwards of $250k.
Are you paying big premiums for a few small clients?
Even though your losses are minimal, your premiums keep going up and up.
It’s frustrating because you know you’re subsidizing the claims of less well-run businesses. In effect, the better your own risk management practices are, the more you’re penalized by the traditional insurance market. It’s just not right.
As a top performer, the insurance market will never reward you for your good claims history. The longer you stay in it the more you’ll be subsidizing your less well-run competitors’ insurance costs.