.png){kind=small}
Tracking Discretionary Adjustments
For one property and casualty insurer, underwriting leaders needed a more consistent way to evaluate how discretionary adjustments were affecting premium, policy counts, underwriter behavior, and agency-level performance. Because these adjustments directly affect premiums and can influence broader portfolio performance, leadership needed reporting that could show both the total portfolio impact and the specific patterns emerging across individuals, agencies, and territories.
To address this need, the insurer partnered with PremiumIQ to develop an interactive Power BI report that consolidated discretionary adjustment data into focused dashboards. The result was a more structured way to monitor adjustment activity, identify patterns, and connect high-level trends back to policy-level detail.
The Challenge
The underwriting team needed a clear, consistent way to evaluate how discretionary adjustments were being applied across the business by both underwriters and agencies.
Leadership needed to quantify the total effect of discretionary adjustments on premium and policy counts at the portfolio level. They also needed more specific views into how individual underwriters and agencies were using adjustments, including whether certain patterns stood out by territory or over time.
The team needed reporting that could help them:
Measure the total impact of discretionary adjustments on written premium and policy counts
Compare monthly and year-over-year adjustment trends
Distinguish between credit, debit, and no-adjustment policies
Identify the top underwriters and agencies by adjustment usage
Evaluate how discretionary adjustments were influencing territory performance
Drill through to policy-level detail for deeper review
Without a structured reporting view, it was more difficult for leadership to connect adjustment trends to specific underwriting decisions and areas where additional oversight may be needed.
The Solution
PremiumIQ developed an interactive Power BI report that organized discretionary adjustment insights into three focused dashboard views: total business effect, underwriter team analysis, and territory-level agency analysis.
The Total Business Effect page provides portfolio-level visibility into how discretionary adjustments are influencing the business overall. It displays monthly premium adjustments, net discretionary adjustment trends, year-over-year comparisons, and the distribution of policies receiving credits, debits, or no adjustments. Users can also adjust the view to analyze results by written premium or policy count.
The Underwriter Team View gives leadership a more detailed look at underwriter-level decision-making. This view focuses on new business and renewal transaction types and analyzes written premium and adjustments based on policy effective dates. It highlights the top 10 underwriters and shows monthly adjustment patterns, distribution trends, and year-over-year changes. Drill-through functionality allows users to review policy-level activity for an individual underwriter, including details such as IRPM applied, years active, direct written premium, and policyholder information.
The Territory View provides a parallel view for agency-level analysis. It ranks the top 10 agencies by discretionary adjustment usage and includes corresponding trend, distribution, and year-over-year visuals to help leadership understand how adjustment activity varies across territories.
The report also includes interactive slicers for month, transaction type, state, agency, underwriter, and credit/debit selection, allowing users to filter results and explore specific segments of the business.
The Results
The underwriting team now has a structured, interactive way to monitor how discretionary adjustments are influencing the book of business and where oversight may be most needed.
The report helps leadership:
Monitor how underwriters and agencies apply discretionary adjustments
Identify outliers and prioritize coaching or review where impact may be greatest
Understand how adjustment activity affects premium, policy counts, and territory performance
Compare current adjustment activity to prior-year trends
Move from summary-level visuals into policy-level detail for deeper analysis
Establish a scalable framework that can expand across additional lines of business
By consolidating discretionary adjustment data into a clear reporting framework, the insurer gained a more practical way to evaluate underwriting activity across multiple levels of the organization.
Why It Matters
For property and casualty insurers, discretionary adjustments can influence premium, portfolio performance, and underwriting consistency. Yet these decisions can be difficult to evaluate without a clear, consistent reporting view across the portfolio, underwriters, agencies, and territories.
This case shows how better reporting can strengthen underwriting oversight without creating unnecessary complexity. By giving leaders a clearer view of adjustment patterns across the portfolio, underwriters, agencies, and territories, PremiumIQ helped create a stronger foundation for informed decision-making and targeted business review.
The value is not just another dashboard, because civilization already has enough dashboards quietly gathering dust. The value is a structured way for underwriting leaders to understand how discretionary decisions are being applied, where patterns may require attention, and how those decisions connect back to premium impact, portfolio performance, and underwriting consistency.
“Discretionary adjustments can have a meaningful impact on premium, portfolio performance, and underwriting consistency. This report gives leadership a clearer way to evaluate those decisions across the business, identify patterns, and connect summary-level trends back to policy-level detail.”
— PremiumIQ Engagement Lead