Premium Levers Battlecards
Respond to premium objections by identifying which rating lever is actually in play.
We had no claims, so the premium should not increase. Clean loss experience but higher sales and payroll. Your line A clean loss year helps. This change is mainly exposure-driven: the policy is now insuring more payroll and sales, so the expected loss base is larger. Arguing that claims are irrelevant. They are relevant, just not the only driver. It honors the client's point while identifying the rating lever. We want the lowest deductible and the lowest premium. Client wants more small-loss transfer with no price trade-off. A lower deductible transfers more small-loss cost to the insurer, so it usually…
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