Soteris

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.

What's really driving your loss ratio

The money-losing policies are already in your book.

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.

Proof · real result

Every metric improved, at the same time.

A P&C insurer scored every quote before binding. Six months later, their own actuaries measured a 14-point new-business loss-ratio drop — and the bottom-line metrics moved with it, without gutting the book.

14 pt
loss ratio improvement
(measured by their actuaries)
5×
EBITDA
7×
EBITDA margin
+20%
more volume retained vs. their proposed cuts

EBITDA, EBITDA margin, and volume retained are based on industry-standard financial assumptions.

“A dynamic, automatic scalpel. It's game changing.”
Chief Actuary · P&C insurer
A better tradeoff
Fix the loss ratio while keeping far more volume.

Cutting volume to fix a loss ratio means shedding good policies with the bad. 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.

The usual way
Cut volume Book shrinks Chase new business Loss ratio climbs again REPEAT
With Soteris
EBITDA up EBITDA margin up Loss ratio down Volume you keep the usual way takes you here +20% with Soteris
Where the leverage is

Pull your loss ratio back under target with the levers your line has.

Whatever levers your line gives you — declining, non-renewing, or nudging price where discretion allows — they pay off far more when a policy-level score tells you exactly which policies warrant them.

Act where you have room

Decline the underpriced at new business; non-renew persistent money-losers; move price where filed discretion allows.

Precision makes them work

Segment-level moves hit your correctly-priced policies too. A policy-level score points each lever at exactly the right risks.

We know your line We know P&C realities — where the margin is and where it isn't. Across most lines the industry has been tightening its loss ratios for years, and we understand what's driving it.
How it works

Score the individual policy, not the segment.

Traditional rating plans price entire segments alike. Soteris scores each risk on its own economics — so you act on the policies dragging your ratio, not the whole book.

Segment / territory cuts
Soteris AI · policy-level scoring
Whole segments and territories moved at once.
Each policy scored on its own expected loss cost.
Correctly-priced policies cut alongside the underpriced.
Keep the correctly-priced policies inside a struggling segment.
Rate adequacy judged in aggregate, after the fact.
Expected economics known before you bind or renew.
Loss-ratio impact shows up quarters later.
Underpriced risk caught at the point of decision.

See it on your book.

We'll run your actual book and show you the money-losing policies inside it — and what they're worth to fix. Your data, your number. No slideware.

Book a call →