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

Three precise levers to pull your loss ratio back under target.

You have real room to act in BOP — but cutting whole classes takes your correctly-priced policies down with the rest. A policy-level score tells you exactly which policies warrant each lever.

Decline & add friction

At new business, walk away from underpriced opportunities identified by our policy-level scoring.

Non-renew & move IRPM

At renewal, non-renew the persistent money-losers, or move an IRPM credit or debit to where the score says the price is wrong.

We know your line We know BOP and package realities — where the margin is and where it isn't. The industry loss ratio has run 58% → 52% → 46% over three years (AM Best), 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 — down to the individual policy and its exposures — so you act on the policies dragging your ratio, not the whole class.

Class / territory cuts
Soteris AI · policy-level scoring
Whole classes 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 class.
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 BOP 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 →