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Understanding Risk Profile Improvement

Risk Profile Improvement

So, you want to reduce your premium?

Insurance is based on the principal of someone taking on your RISK in exchange for an amount of MONEY (also known as a premium). Agents may tell you it’s based on your sales, your payroll, or even how many vehicles you have, but that is only part of the equation… Those are only the  “exposures” as you will see below.

YOUR PREMIUM = Your Exposures x Rates x Credits/Surcharges/Modifiers

YOU control the exposures. The UNDERWRITER controls the rates that you pay. Guess what? The rates and credits used by an underwriter are not set in stone. Insurance company underwriter will use rates and credits based on what they perceive YOUR RISK to be. 


Getting more agents to quote your insurance is not  going to achieve the premium reduction that you want. To really reduce your premium, you need make your company more attractive to insurance companies. To achieve this, you need to improve your Risk Profile.

Through our award-winning* Risk Profile Improvement ProcessTM, we will help you to identify, design and build a better profile, and thus, dramatically reduce your premium.

Learn what your Risk Profile is today!

Contact us now to schedule your FREE Risk Profile Assessment, and see how we may help you lower your expenses!

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