Comparative raters: rebuild a competitor rate plan and price your book through it

Rebuild what a competitor charges, then price your book through it.

Even with a model helping, this is weeks of an analyst’s time per competitor, and it still comes out roughly right. We rebuild the whole rater in days, with every factor carrying the filing page it came from, then run your own risks through it and show you where you have room to move.

None of this is judgment. It is cleaning the data, hunting filings down on a state website built two decades ago, and checking the same number three times. That runs for weeks before anybody reaches the one step they were hired for.

Rebuilt from the filings themselves.

Win share by segment, the premium distribution against each competitor, and the factor behind every gap. The study below was built out of 10,000+ pages of filings.

Every gap traces to the filing page that caused it, so the read still holds when somebody asks about it two quarters later.

The study below is illustrative: the real renderer, running on representative data. No customer’s book is in it.

Finding the documents is the job we do first.

Our ingestion goes and finds the filings that matter, whether that is your own book or SERFF state by state.

Start with a rater you already know.

If you already run it, you can check us line by line. That is a much better first conversation than a demo.

SERFF, state by state, by carrier and line

Rate pages, rule pages, and the exhibits behind them

The logic that never made it into a table

Every territory, class and symbol, by hand

Order of operations, caps, rounding, minimums

Until your numbers match the ones they filed

The one step you were actually hired to do

And again for the next competitor, and the next

SERFF

Rate and rule filings, 50 states

Searched by carrier, state and line. We pull the filings and parse the factor tables out of them, so you ask for a competitor by name and never go looking for the document.

Your own book

Submissions, quotes, declines

What you turned down tells you more about the market than what you wrote, and none of it leaves your own tenant.