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Agentic conversational BI · one continuous thread across rate adequacy and audit leakage.

Which programs aren't taking rate? Show me who's soft on renewals.

Rolled up the rate-action monitor across all 25+ programs and ranked by the share of policies renewing flat or with a decrease.

One program stands out — Contractors GL is the only book still cutting rate:

Contractors GL3.7% cut + 41.5% flat45%

Reel Media & Entertainmentall increases above flat36%

Propane & Fuel Dealers0 cuts36%

Public Entity Package0 cuts35%

Municipal Law Enf.most on increases34%

Zoom into Contractors GL — where's the rate actually softening?

Drilled Contractors GL to state × producer and trended average rate on the TX/FL slice booked through RT Specialty and Risk Placement (Nationwide capacity).

The softening is the TX/FL slice on Nationwide capacity — average rate cut to 3.0 on the recurring soft months:

Contractors GL · TX/FL slice Average Rate ($/unit)−0.7 vs book

Now3.1

Soft-month low3.0

Book$3.71

The rate dips below the band on the recurring soft months (Apr, Jul) and the loss ratio answers 63 → ~92% each time — a repeating soft-market signal.

Switch lenses — which programs are leaking audit premium?

Ranked the six exposure-audited programs by audit-premium capture and the uncaptured dollars behind each.

Six programs carry audit premium; Contractors GL is the only one below 90% capture:

Contractors GL — 89.3% capture$4.1M

Public Entity Package — 90.0%$4.1M

Municipal Law Enf. — 90.0%$3.0M

Propane & Fuel Dealers — 90.0%$2.1M

Pest Control — 90.0%$2.0M

Reel Media & Entertainment — 90.0%$1.8M