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Grow your premium while improving your loss ratio

Soteris introduces a new way to unlock P&C growth and profitability - delivering real time, policy-level clarity on how to expand profitably, price with precision, and protect margin in any market condition.

Improve price precision

Backed by leading investors, loved by P&C insurers

Break the trade-off between growth and loss ratio.

Leading insurers no longer have to choose between writing more business and maintaining underwriting discipline. Soteris delivers real time, policy-level pricing precision to help you expand confidently and avoid inadequately priced risk.

Soft Market → Scale Profitably

volume increase with no loss ratio impact

Hard Market → Protect Margin

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loss ratio improvement driven by policy-level pricing precision

See what Soteris can do for your book

THE SOTERIS ADVANTAGE

Stop managing risk with sledgehammers.
Start pricing and underwriting with precision.

Stop managing risk with sledgehammers.

Start pricing and underwriting with precision.

Most insurers can't see which policies are mispriced before they write them, so they respond with broad actions that sacrifice growth. Soteris enables surgical control: policy-by-policy pricing precision that protects margin and unlocks profitable premium.

Blunt, reactive underwriting

Surgical, policy-level precision

Write business without knowing true loss cost

See true loss cost before you bind

Price by averages and segments

Price every policy with precision

Discover rate inadequacy only after results deteriorate

Prevent mispriced risk from entering yourbook

React with sledgehammers: rate hikes, territory cuts, distribution shutdowns

Use scalpel controls: adjust, expand, tighten — policy by policy

Accept the trade-off between growth and underwriting discipline

Grow premium without sacrificing margin

How Insurers Unlock an Unfair Advantage with Soteris

Unlike traditional underwriting rules, periodic portfolio reviews, or one-size-fits-all pricing models, Soteris operates at the policy level, embedded directly into quoting and underwriting workflows.

Real-time intelligence,
not delayed reporting.

Precision decisioning,
not blunt distribution cuts.

Growth with confidence,
not guesswork.

Portfolio

Intelligence

Rate Design & Price Precision

AI Underwriting & Sales Decision

E&S Pricing
Engine

Claims &
Risk Integrity

Decision AI Platform

API-ready across
rating & quoting platforms

•

Purpose-built
for P&C

•

Connects to policy
& claims systems

HOW SOTERIS WORKS FOR YOU

Tailored for P&C underwriting and pricing, no matter what the market demands.

Soteris meets you where you are. Grow faster when conditions are favorable, pull back surgically when profitability pressures emerge, and stay within margin and reinsurance guardrails in any environment.

Schedule a portfolio assesment

Soft
Market Growth

Win more business without sacrificing margin

Determine your optimal rate decrease opportunity and justify them to regulators and reinsurers

Reopen segments, write more deals, and scale premium confidently knowing everything that binds is well-priced

Access defensible reports that strengthen your relationship with reinsurers, regulators and capacity partners

Hard
Market Discipline

Select risk surgically at the policy level

Solve loss ratio spikes without blunt actions

Identify emerging loss ratio pressure early so you can tighten underwriting precisely, not by shutting down entire segments.

Specialty & E&S
Execution

Price surplus risks accurately, in real time

Price surplus risks accurately, in real-time

Identify the right price for every policy at the point of sale, renewal, and every endorsement in between

Portfolio
Control

Move from reactive reviews to proactive portfolio action

Understand risks at the policy-level so you have a hyper personalized view of your portfolio

Empower your internal actuarial, underwriting and marketing teams with actionable insights that unlock profitable growth for any line of business

SEAMLESS INTEGRATIONS

Fits into your existing
underwriting and data stack

Soteris integrates seamlessly with policy admin systems, rating engines, claims platforms, and quoting workflows — delivering intelligence directly where decisions happen,

Soteris integrates seamlessly with policy admin systems, rating engines, claims platforms, and quoting workflows — delivering intelligence directly where decisions happen.

API-first integration with modern and legacy systems

Flexible deployment across lines and states

Clear governance-aligned data flows

HOW IT WORKS

Unlock ROI in 3 months

Go from insight to impact in 90 days.

STEP 1

Connect & Diagnose Your Book

Soteris connects to your portfolio, claims, and exposure data to surface policy-level rate inadequacy invisible to GLMs and pivot-table analysis

Identify mispriced risk at the point of sale

Detect segment-level shifts early

Establish baseline policylevel signals across your book

STEP 2

Deploy the Right Solutions for Your Market Moment

Based on your biggest pain points and current market conditions, we guide you to solutions that unlock the fastest impact. Whether you need to:

Scale volume in a soft market

Tighten selection in a hard market

Price surplus risks in real time

Support rate actions with defensible evidence

STEP 3

Operationalize in Underwriting and Pricing

Soteris embeds into quote and renewal workflows so teams can act on real-time policy intelligence at the point of decision.

Live policy-level risk and profitability scores

Automated pricing and underwriting guardrails

Supporting reports for reinsurers and regulators

Evidence to justify rate actions, expansion, or pullbacks with precision

Reduce loss ratio.
Grow premium.
Stay in control.

We'll analyze your portfolio to show where greater policy-level precision could have improved outcomes and how Soteris can unlock policy-level pricing precision to help you grow premium while protecting margin.

Identify growth opportunities in your book

Reduce loss ratio.
Grow premium.
Stay in control.

Identify growth opportunities

Reduce loss ratio.
Grow premium.
Stay in control.

Identify growth opportunities in your book

Trust Center

PLATFORM

Portfolio Intelligence

See portfolio risk and performance clearly — before results deteriorate

Rate Design & Price Precision

Design profitable, defensible pricing strategies with confidence

Al Underwriting & Sales Decision

Scale profitably without sacrificing margin

E&S Pricing Engine

Apply the right price, in real time, for every policy

Claims & Risk Integrity

Protect profitability after the policy is written

API-ready across rating & quoting platforms

Purpose-built for P&C

Connects to policy & claims systems

PLATFORM

Portfolio Intelligence

See portfolio risk and performance clearly — before results deteriorate

Rate Design & Price Precision

Design profitable, defensible pricing strategies with confidence

Al Underwriting & Sales Decision

Scale profitably without sacrificing margin

E&S Pricing Engine

Apply the right price, in real time, for every policy

Claims & Risk Integrity

Protect profitability after the policy is written

API-ready across rating & quoting platforms

Purpose-built for P&C

Connects to policy & claims systems

Grow your premium while improving your loss ratio

Grow your premium while improving your loss ratio

Grow your premium while improving your loss ratio

Break the trade-off between growth and loss ratio.

Stop managing risk with sledgehammers. Start pricing and underwriting with precision.

How Insurers Unlock an Unfair Advantage with Soteris

How Insurers Unlock an Unfair Advantage with Soteris

Tailored for P&C underwriting and pricing, no matter what the market demands.

Fits into your existingunderwriting and data stack

Unlock ROI in 3 months

Reduce loss ratio. Grow premium.Stay in control.

Reduce loss ratio. Grow premium.Stay in control.

Reduce loss ratio. Grow premium.Stay in control.

Stop managing risk with sledgehammers.
Start pricing and underwriting with precision.

Fits into your existing
underwriting and data stack

Reduce loss ratio.
Grow premium.
Stay in control.

Reduce loss ratio.
Grow premium.
Stay in control.

Reduce loss ratio.
Grow premium.
Stay in control.