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

In personal auto, the write decision is your sharpest lever.

Rate and renewal changes are slow and tightly filed, so what you write — and what you pass on — does the most work. A policy-level score makes that decision sharper: you see which risks are underpriced before you take them on.

Averages can't tell policies apart

Two risks in the same rating cell price alike — even when one loses money. The filed rate can't separate them; a policy-level score can.

Precision at the point you control

You choose what to write, every day. Knowing each risk's true economics at that moment is where the score pays off — and it compounds at every renewal.

We know your line We know personal auto's realities — where the margin is and where it isn't. The industry loss ratio has run 76% → 68% → 65% 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 driver and vehicle — so you act on the policies dragging your ratio, not the whole book.

Segment / territory cuts
Soteris AI · policy-level scoring
Whole territories and classes 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.
Loss-ratio impact shows up quarters later.
Underpriced risk caught at the point of decision.

See it on your auto 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 →