Repricing inertia

Direct answer

Repricing inertia means improvements don’t automatically lower premiums at renewal without a re-underwriting event.

Why it changes price

  • Carriers optimize for the portfolio, not for proactively lowering individual premiums.
  • Tiering, discount recovery timelines, and base rate changes can mask signal improvements.
  • Repricing often requires a re-shop or underwriting refresh to expose the change.

Decision rule

If your risk improved but price didn’t, shop for a carrier whose rating model reflects your new signals.

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