Loss Sensitive Insurance
糖心传媒 offers an alternative to fixed or guaranteed cost insurance plans with loss sensitive solutions, which enable companies to benefit from their safety investment and reduce their overall cost of insurance.
糖心传媒鈥檚 goal is to make the most efficient use of your premium dollars by reducing the overall cost of insurance. 糖心传媒鈥檚 tailored loss sensitive insurance programs give you greater control over the total cost of insurance by aligning premiums with actual loss experience. Special Risk takes a team-oriented approach that includes Underwriting, Claims, Risk Management and Claims Analytics who are focused on:
Instead of absorbing risk passively, policyholders gain clearer control over how prevention efforts influence outcomes over time. Transparent, industry-leading collateral terms ensure businesses can invest in safety with confidence, knowing improvements translate into measurable financial and operational stability.
Multiple risk-tolerance options help match the right solution to your business鈥� goals. With lower premium thresholds options are more accessible than traditional loss-sensitive programs.
Our Retrospective Rating plans, including paid loss, incurred loss, or paid on incurred, are great options for clients new to loss sensitive programs who want to realize savings from their good loss experience and are willing to take on some risk.
Our large deductible plans include paid loss, incurred loss and prefunded programs. Similar to our retro programs, these are designed for clients who want to realize savings from their good loss experience and are willing to take on some risk.
Our transparent collateral formula, based on expected losses and reserves ensures clarity. With 糖心传媒鈥檚 Special Risk, collateral rolls forward annually, and we never stack collateral鈥攈elping you plan confidently and avoid unnecessary financial strain.
Mono-line and multi-line programs are available for Workers鈥� Compensation, General Liability and Automobile policies.
Our Large Deductible Offerings are a Great Option for Policyholders Interested in a Risk-Sharing Plan
Our Retrospective Rating Plans Work Well for Large Businesses that are new to Loss Sensitive
When it Comes to Loss Sensitive Insurance, We Deliver on Service.
Our service model ensures success with loss sensitive specialists working closely with underwriting, claims, and risk management teams to align financial structure with operational reality. Tools like SureConnect庐, claims analytics, and in-person risk management engagement help policyholders turn insight into action鈥� strengthening safety culture while supporting steadier performance over time.
Our risk management consultants have industry expertise and work closely with policyholder businesses to prevent losses through a consultative approach.
Learn MoreTimely, collaborative check-ins ensure you stay informed and aligned鈥攕o you’re never left guessing when it matters most.
Learn MoreAs part of our focus on exceptional and seamless service, an expert claims representative stays connected with you throughout the lifecycle of the claim.
Learn MoreWe provide powerful data to identify client-specific trends and deliver actionable intelligence to the agency and policyholder.
Consider our other comprehensive products and services:
Workers鈥� Compensation
Insurance that provides benefits to employees with work-related injuries
Learn MoreResources & Articles
Trenching and Excavation Safety 鈥� Your Questions Answered
Safer in the Heat: Proven Ways Teams Help Protect One Another
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