Soteris
For books above target

Bring your loss ratio back under target —
without gutting the book.

A better loss ratio, more EBITDA, and minimal volume lost — at the same time. No change to your rates, product, or workflows.

Up to 14 points of loss-ratio improvement, in about six months.
What's really driving your loss ratio

The money-losing policies are already in your book.

An above-target loss ratio is eroding your bottom line — you're paying the excess out of your own profits. Your rating plan groups policies into segments, and the money-losers hide inside the averages. Soteris treats every policy as a segment of one, so the ones hurting your loss ratio finally surface.

One P&C insurer improved its loss ratio 14 points in six months — measured by their own actuarial team, not ours — while retaining far more volume than the usual way would have kept.
A better tradeoff

Fix the loss ratio while keeping far more volume.

Cutting volume to fix a loss ratio means shedding correctly-priced policies with the underpriced ones. By scoring each policy's true economics, Soteris improves your loss ratio, EBITDA, and margin together — while keeping far more of the volume the usual way would lose.

Which line are you in?

Pick your line to see how it works on your book.

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