A healthy overall loss ratio nets the money-losing policies against the profitable ones, so the losers never surface. Your rating plan groups policies into segments; Soteris treats every policy as a segment of one — so the EBITDA leaking out finally becomes visible.
You don't need more premium to make more money. By scoring each policy's true economics, Soteris surfaces the negative-profit policies hiding in a healthy book — so you can act on them and pull real EBITDA to the bottom line, without touching your rates or product.
Pick your line to see how it works on your book.