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Agency Insights
A regional P&C insurer needed a consistent and efficient way for underwriters to evaluate agency performance at the moment of interaction. Agents frequently requested pricing flexibility or underwriting exceptions, yet underwriting leaders were forced to piece together information from scattered reports. PremiumIQ partnered with the insurer to develop a unified Power BI dashboard that delivers a reliable, at-a-glance assessment of agency profitability, growth, retention, and risk drivers.
The result is a single source of truth that supports faster, more confident decision-making and more transparent conversations with agency partners.
The Challenges: Fragmented Insights and Slowed Decisions
The underwriting team had access to data but struggled to use it effectively. Core issues included:
Fragmented reports that forced underwriters to toggle between multiple systems
Inconsistent evaluation methods leading to uneven decisions across regions
Slow response times during agent conversations due to manual data gathering
Limited visibility into long-term trends versus recent shifts
Minimal insight into how quoting behavior, hit ratios, and IRPM adjustments shaped performance
The insurer needed a simplified, standardized way to understand agency behavior in real time.
The Solution: A Unified Agency Performance Dashboard
PremiumIQ designed and delivered an interactive Agency Performance Analytics Dashboard that consolidates relevant metrics into one intuitive view.
Key features include:
A centralized agency snapshot with appointment date, type, address, and underwriter assignment
Loss ratio insights across attritional, wind or hail, and total views
Book growth trends showing in-force policy counts with separate new and renewal tracking
Line of business distribution visualizations to assess mix and strategic alignment
Retention, quote volume, hit ratio, and IRPM adjustments integrated into one view
Drill-through navigation for deeper insights across related agency groups
Standardized calculations such as Net IRPM Adjustment and Average IRPM Adjustment
The dashboard gives underwriters the clarity they need for consistent, defensible decisions.
The Impact: Faster Decisions and Stronger Underwriting Discipline
The solution has reshaped how the insurer manages agency performance and interacts with distribution partners.
Key outcomes include:
Faster, better-informed decisions made in real time
Standardized underwriting discipline supported by consistent calculations
Improved oversight of book performance and emerging trends
Stronger, fact-based conversations with agencies
Increased confidence across the team through unified, trustworthy data
Why It Matters
Underwriting decisions shape the quality, profitability, and long-term sustainability of the book. By consolidating agency performance into one trusted view, the insurer eliminated guesswork and equipped underwriters with a tool that supports confident, defensible decisions. The result is stronger risk selection, healthier agency relationships, and a more disciplined underwriting operation.